| Category | Rate | Type | Cap |
|---|---|---|---|
|
T-Mobile Purchases
Earned on net qualifying purchases of phones, devices, and accessories made online at T-Mobile.com, in the T-Life app, at T-Mobile stores, and at Authorized Retailers. Excludes device EIP payments, wireless service payments, fees, prepaid wireless, and T-Mobile for Business purchases. Not earned via third-party digital wallets.
|
5x | Points | No cap |
|
All Other Purchases
Earned on all other net purchases anywhere Visa is accepted. Not earned on cash advances, balance transfers, or via third-party digital wallets.
|
2x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
T-Mobile AutoPay Discount – $5 Off Per Line Per Month
Cardholders who enroll in T-Mobile Wireless AutoPay using their T-Mobile Visa on an eligible postpaid wireless plan receive $5 off per line per month, up to 8 lines. Discount appears on the wireless statement starting the next billing cycle after enrollment; does not stack with other AutoPay discounts.
|
Credits | Up to $40/month (up to 8 lines at $5/line) |
|
Flexible Payment Due Date
Cardholders can choose their own monthly payment due date for greater control over when payments are made.
|
Financial | Complimentary |
|
No Annual Fee
The T-Mobile Visa carries no annual fee for cardholders.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fees
Cardholders are not charged foreign transaction fees on purchases made outside of the United States.
|
Financial |
No foreign transaction fees
Up to $0
|
|
Exclusive Cardholder Offers
Cardholders receive access to exclusive deals and discounts on dining, travel, and more, accessible through the T-Life app and Capital One account.
|
Lifestyle | Complimentary |
|
T-Life App Integration
Cardholders can connect their T-Mobile Visa to the T-Life app to track and redeem rewards, view recent transactions, pay their T-Mobile bill, and access exclusive cardholder benefits in one location.
|
Lifestyle | Complimentary |
|
Visa Signature Concierge Service
Cardholders have 24/7/365 access to a personal concierge service that can assist with travel bookings, event tickets, dining reservations, gift arrangements, pre-trip planning, and specialty research; cardholders are responsible for the cost of any goods or services arranged.
|
Lifestyle | Complimentary service access |
|
Visa Signature Golf Benefits – Troon Rewards
Cardholders can join Troon Rewards and receive savings on golf fees and merchandise at participating Troon golf properties.
|
Lifestyle | Complimentary enrollment |
|
AutoPay Scheduling
Cardholders can schedule automatic monthly payments through the Capital One Mobile app or online to avoid missed payments.
|
Other | Complimentary |
|
Capital One Mobile App – Account Management
Cardholders can manage their account, check their balance, view transactions, schedule AutoPay, and access their virtual card through the Capital One Mobile app.
|
Other | Complimentary |
|
Virtual Card Access
Eligible cardholders may be able to access a virtual card number immediately upon approval to begin spending before the physical card arrives in the mail.
|
Other | Complimentary |
|
2% Rewards on All Other Purchases
Cardholders earn 2% back in T-Mobile Rewards on all other net purchases anywhere Visa is accepted. Does not apply to cash advances, balance transfers, or purchases made via third-party digital wallets.
|
Rewards | 2% in T-Mobile Rewards |
|
5% Rewards on T-Mobile Purchases
Cardholders earn 5% back in T-Mobile Rewards on net qualifying purchases of phones, devices, and accessories made at T-Mobile.com, the T-Life app, T-Mobile stores, and Authorized Retailers. Excludes EIP payments, wireless service, fees, prepaid wireless, T-Mobile for Business purchases, and purchases made via third-party digital wallets.
|
Rewards | 5% in T-Mobile Rewards |
|
Rewards Never Expire
T-Mobile Rewards do not expire for the life of the T-Mobile Visa account; unredeemed rewards may be forfeited if the account is closed.
|
Rewards | Complimentary |
|
Card Lock
Cardholders can instantly lock their card via the Capital One Mobile app if it is misplaced, lost, or stolen; some activity such as returns, credits, and payments may continue after lock.
|
Security | Complimentary |
|
Zero Fraud Liability
Cardholders are not liable for unauthorized charges on their account; claims of unauthorized use are subject to verification and investigation by Capital One.
|
Security | Complimentary |
|
Emergency Card Replacement
Cardholders can request emergency card replacement if their card is lost or stolen while traveling, coordinated through Visa's global assistance network.
|
Travel | Complimentary |
|
Roadside Dispatch
A pay-per-use roadside assistance program available 24/7 in the US and Canada that provides standard towing (up to 5 miles), tire changing, jump starting, lockout service, fuel delivery (up to 5 gallons plus fuel cost), and standard winching; no membership or pre-enrollment required, but a per-call fee applies (currently $79.95).
|
Travel | Pay-per-use (standard call fee applies) |
|
Travel and Emergency Assistance Services
Provides 24/7/365 referral and coordination assistance for medical, legal, emergency transportation, emergency message relay, emergency translation, prescription assistance, lost luggage locator, emergency ticket replacement, and pre-trip information services while traveling away from home; cardholders are responsible for the cost of actual services rendered.
|
Travel | Complimentary |
|
Visa Signature Luxury Hotel Collection
Cardholders enjoy premium benefits at over 900 of the world's finest properties through the Visa Signature Luxury Hotel Collection; certain restrictions, limitations, and exclusions apply.
|
Travel | Complimentary access |
