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Although we put in a lot of effort to give our readers unbiased information, and we include many credit card offers on our website for which we do not get paid any compensation, we are legally required to notify you that we may be receiving compensation from some of the credit card companies mentioned on our website.

Some of the credit card offers which appear on helpmebuildcredit.com are from credit card companies from which this site possibly receives compensation. This compensation may impact how and where credit card offers appear on this site. This site possibly does not include all available credit card offers.

 

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn $200 after spending $500 within the first 3 months. Intro 0% APR for 15 months on purchases and balance transfers (after that 19.99% - 29.99% variable). The balance transfer fee is 3%. See more info in balance transfer terms.

Bonus Value

Approximately $200

Annual Fee

$0

Card Rewards

10% cashback on Uber and UberEats, plus complimentary Uber One membership statement credits through 11/14/2024.

8% cashback on Capital One Entertainment

5% cashback on hotels and car rentals booked through Capital One Travel.

3% cashback on dining, entertainment, popular streaming services, and at grocery stores (excluding Walmart and Target)

1% cashback everywhere else

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: February 26, 2024 | Credit Card Review
Card Overview

The card_name is a great card for the everyday mom. The card earns unlimited 3% cashback on dining, entertainment, popular streaming services, and grocery stores (excluding Walmart and Target). Plus 1% cashback everywhere else. Benefits include no foreign transaction fees, price protection, purchase protection, extended warranty protection, auto rental insurance, trip cancelation insurance, and more!

Card-Smart Tips & Advice
  • Recommended credit: Excellent credit is usually needed
  • Max cards: Capital One will only let you have a maximum of 2 personal Capital One branded credit cards. (This excludes co-branded credit cards like the Capital One Walmart Rewards Card.)
  • You can only get approved for 1 Capital One card every 6 months (not always enforced)
  • Credit bureau: Capital One will usually pull your Experian, Transunion, and Equifax credit reports
  • If you freeze one credit bureau you can still get approved (the credit bureau you freeze cannot be Transunion)
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined. Note, Capital One will only approve you for one credit card application within every six months. (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
  • Check application status: You can  check your application status by calling 1 800 903 9177 or 1 877 277 5901
  • Reconsideration: If declined you can call 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error)
  • Quickest way to get my card: Your new card will be available in your Capital One app immediately after you get approved (you might need the 3 digit security code on the back of your card to access it, which means you must wait for your physical card to arrive). Capital One physical credit cards cannot be expedited, only sometimes for replacement cards for a fee

Approval Monitor (submitted by HelpMeBuildCredit users)

89% Approved
722 Avg. Score of those approved
11% Denied
Approved 89% (32)
Denied 11% (4)

Credit limit range $300-$50,000

Avg. Credit limit$5,847

Approved 89% (32)
Denied 11% (4)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Balance Transfer Terms
  • Balance transfer fee: 3% for the first 15 months (which you will receive the Intro APR). There is no fee for balance transfers done after the first 15 months
  • You cannot transfer balances from other credit cards issued by Capital One, NA
  • No penalty APR
Welcome Offer Eligibility
Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.
Card Details And Benefits
Auto Rental Collision Insurance

Worldwide secondary coverage for collision damage and theft on rentals. Coverage is for rentals up to 31 days. Covers vehicle with MSRP up to $50,000.

Extended Warranty Protection

Get your original manufacturer’s warranty time doubled. (Will only cover if the original warranty is for 2 years or less). Max $10,000 per claim.

Lost Luggage Reimbursement

Get up to $1,500 per person for lost or damaged luggage.

Luggage delay insurance

If your baggage is delayed for 4+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.

Price Protection

If you buy an item and then within 120 days find the identical item for cheaper at any US retailer, then you will be reimbursed the difference. Up to $500 per item and up to 4 claims per year.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $1,000 per claim, $25,000 per year.

Travel Accident Insurance

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $1,000,000 in compensation.

Trip Cancellation Insurance

Coverage for canceled or interrupted travel (airfare only) due to an unforeseen medical emergency etc. Max $1,500 per trip.

How can the points be used?
Cashback:

The points can be redeemed as cashback for 1 penny per point. 

Transfer to airline and hotel programs:

If you only have the card_name then you cannot transfer your points to any partners.

But if you also have a Capital One Miles card, such as the: card_name, card_name, card_name, card_name, or the Capital One Spark Miles Select Business Card then you can transfer your points to one of these cards and then transfer your points to any of the following airline or hotel partners.

Airline partners:

  Transfer Ratio  Transfer time
Aeromexico, Club Premier 1:1 Instant
Air Canada, Aeroplan 1:1 Instant
Air France KLM, Flying Blue 1:1 Instant
Avianca, Lifemiles 1:1 Instant
British Airways, Executive Club 1:1 Instant
Cathay Pacific, Asia Miles 1:1 5 business days
Emirates, Skywards 1:1 Instant
Etihad Guest 1:1 24 hours
EVA Infinity, MileageLands 2:1.5 36 hours
Finnair Plus 1:1 Instant
Qantas, Frequent Flyer 1:1 24 hours
Singapore Airlines, KrisFlyer 1:1 36 hours
TAP Portugal, Miles&Go 1:1 Instant
Turkish Airlines, Miles&Smiles 1:1 Instant

Hotel partners:

  Transfer Ratio  Transfer time
ALL Accor  2:1 1 business day
Choice Privileges 1:1 Transfers will not be available until later on this year
Wyndham Rewards 1:1 Instant

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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