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Current Bonus
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Annual Fee
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How to Earn Rewards
10x
On hotels and rental cars booked through Capital One Travel.
5x
On flights and vacation rentals booked through Capital One Travel.
2x
on all other purchases.
Benefits
Unlimited access to the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide.
$300 back annually for bookings through Capital One Travel.
Receive up to a $120 credit for Global Entry or TSA PreCheck®.
My Take
Don’t let the annual fee of $395 scare you. The $300 annual travel credit and a slew of other benefits add up to a fair amount of value. You’ll immediately up your travel game with airport lounge access and Hertz Presidents’ Club status. Read my complete guide here.
But take note — this card is gutting lounge benefits as of February 1, 2026. I still think this card is worth getting if you’ll use the lounge benefits before then, though.
This is the second card in my Three Year Plan despite the annual fee because I really think it is the easiest premium card to get your value back. Between the $300 annual travel credit and the 10,000 miles every year on account anniversary (redeemable for a minimum of $100 in travel), that’s huge value right there.
Bonus History
When this card was released in November 2021, it had a 100,000 miles bonus offered (with a $10,000 spend requirement over 6 months). Since March 2022, it has had the same 75,000 mile bonus offer.
Starting October 6, 2023 – a new 90k offer was available exclusively through select referral links. This ended early in December 2023.
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