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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 20,000 miles after spending $500 within the first 3 months. Intro 0% APR for 15 months on purchases and balance transfers (after that 19.99% to 29.99% variable). The balance transfer fee is 3% for the first 15 months then 4%. See more info in balance transfer terms.

Bonus Value

Approximately $200 - $260

Annual Fee

$0

Card Rewards

5 miles on hotels and rental cars booked through Capital One Travel

1.25 miles on all purchases

Add to compare

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 will give you rewards on all purchases at 1.25 miles per dollar spent which you can then redeem on flights, hotels, and more. It has pretty comprehensive benefits for a non annual fee card including no foreign transaction fees, lost luggage insurance auto rental insurance, and more.

Card-Smart Tips & Advice
  • Recommended credit: Good 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)

76% Approved
728 Avg. Score of those approved
24% Denied
Approved 76% (13)
Denied 24% (4)

Credit limit range $500-$15,000

Avg. Credit limit$4,538

Approved 76% (13)
Denied 24% (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). After that its a 4% fee
  • 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
Extended Warranty Protection

Get one additional year to your original manufacturer’s warranty time. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim, $50,000 per cardholder.

Lost Luggage Reimbursement

Get up to $3,000 per person for lost or stolen luggage. Max $2,000 for NY residents. This benefit is only available for cardholders that get approved for a credit limit of $5,000 or more.

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $500 per claim, $50,000 per account. This benefit is only available for cardholders that get approved for a credit limit of $5,000 or more.

Roadside Assitance

Get roadside service calls dispatched for free. You will have to pay a set service fee per call.

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 $250,000 in compensation.

How can the miles be used?
Cashback:

The miles can be redeemed as cashback for half a penny per mile. 

Capital One Travel:

You can redeem 1 penny per mile on Capital One Travel, to book flights, car rentals, hotels, and more.

Transfer to airline and hotel programs:

You can transfer your miles to any of the following Capital One Travel 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
Offset Your Travel Purchases:

You can also pay for travel purchases on your card and offset the purchases with miles . You can get 1 penny per mile. So for example, a $100 hotel stay charged on your card can be paid back using 10,000 miles. 

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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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