Highlights
- Earn 2x miles on every purchase, every day, and 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
- Get up to a $50 experience credit on each eligible Lifestyle Collection stay, and you may also get Wi-Fi, a room upgrade, early check-in, or late checkout.
- No foreign transaction fee. Miles do not expire while the account stays open.
Issuer: Capital One
Network: Mastercard
Card type: Personal credit card
Annual fee: $95
Foreign transaction fee: None
Everyday spending earns Capital One miles. You can use them for travel, to cover recent travel purchases, as cash back, for gift cards, for experiences, at Amazon.com, through PayPal, and by transferring to select airline and hotel loyalty programs. Redemption rates and terms can differ by option and can change.
Welcome offer
【October 8, 2026 update】 75,000 Capital One miles + a $300 Capital One Travel Stays credit:
- Spend $4,000 in the first 3 months after account opening to earn 75,000 bonus miles. After you qualify, the bonus usually posts to your rewards balance within two billing cycles.
- New primary cardholders get a one-time $300 Capital One Travel Stays credit for hotels and vacation rentals booked through Capital One Travel. The credit expires one year after account opening. You can use it in one purchase or across several. Purchases covered by the credit do not earn rewards.
- You are not eligible for this bonus if you received a new-cardmember bonus on Capital One Venture or Venture X in the past 48 months. The account has to stay open and in good standing to receive or use the $300 credit.
Previous welcome offers
【March 2025 update】 Referral bonus of 100,000 miles Expired
【January 2025 update】 $250 statement credit + 75,000 bonus miles Expired
- Spend $4,000 in the first 3 months
Everyday spending
5x miles: hotels, vacation rentals, and rental cars booked through Capital One Travel. The current site terms do not list a spending cap for this category, and they do not list a lower rate after a cap.
5x miles: eligible ticket purchases on the Capital One Entertainment ticketing platform. Tickets bought directly through Capital One Hall or Capital One Arena ticketing do not earn this rate.
2x miles: other purchases, every day. The current site terms do not list a spending cap, and they do not list a lower rate after a cap. Cash advances, balance transfers, and checks used to access the account are not eligible purchases.
Benefits and insurance
- Capital One Travel Stays credit
The $300 credit in the welcome offer can be used only for hotels and vacation rentals booked through Capital One Travel, and it expires one year after account opening. If you cancel a booking that used the credit, an unexpired credit may be restored. An expired credit is not restored.
- Lifestyle Collection stay benefits
Each eligible Lifestyle Collection hotel or vacation-rental stay includes an experience credit of up to $50. The hotel applies its experience credit to eligible charges at checkout. The vacation-rental host provides its experience credit when the experience is booked, and some properties issue it as a gift card. You have to book through Capital One Travel, and an eligible cardholder has to book with their own account and be on the trip. The actual experience, availability, minimum stay, and other benefits follow the property’s or host’s terms.
- Capital One Travel booking tools
The site describes price prediction, Price Drop Protection, the Price Match Guarantee, and Price Watch. It says flight bookings save 15% on average through price prediction and booking suggestions. The actual savings, whether a service is available, which bookings qualify, and any fees follow Capital One Travel’s terms.
- Global Entry / TSA PreCheck credit
Each account can receive one statement credit every 4 years for a Global Entry or TSA PreCheck application fee, up to $120. You have to pay the first eligible application fee directly with this card. The credit usually posts within two billing cycles. The account has to be open and in good standing when the credit is issued.
- Hertz Gold+ status upgrade
Eligible cardholders can sign in on the Capital One website or app and enroll through the dedicated link in the Benefits tab. The offer can change, and it is subject to Hertz Gold terms and rental eligibility rules.
- Capital One Entertainment experiences
You can buy tickets to concerts, dining, sporting events, and other experiences through Capital One Entertainment. Eligible ticketing-platform purchases earn 5 miles per dollar. Tickets bought directly through Capital One Hall or Capital One Arena ticketing do not count.
- No foreign transaction fee and no blackout dates
The product page lists no foreign transaction fee and no blackout dates. A specific booking is still subject to Capital One Travel’s booking terms, availability, and price.
Travel insurance
Official World Elite Mastercard Guide to Benefits🔗
- MasterRental Coverage
When the rental is 31 consecutive days or less, the rental contract is in the cardholder’s name, and the entire rental is paid with this card and/or accumulated points, eligible physical damage, theft, documented loss of use, and reasonable towing charges may be covered. You have to decline the rental company’s optional collision/damage waiver. This is not third-party liability insurance, and it does not cover personal injury or personal belongings.
- Worldwide Automatic Travel Accident Insurance
When the entire eligible common-carrier fare is paid with this card, the cardholder, spouse or partner, and eligible dependent children are covered automatically while riding, entering, or leaving a licensed common carrier. The guide lists benefit amounts of $250,000, $500,000, or $1,000,000 depending on the type of loss, plus per-accident and account-level limits and exclusions.
- Baggage Delay Insurance
The entire eligible common-carrier fare has to be paid with this card. If checked baggage is delayed or misdirected for more than 4 hours after you arrive, essentials bought at the destination can be reimbursed at $100 a day for up to 3 days, subject to the guide’s exclusions and other-insurance rules.
- Trip Cancellation / Interruption Insurance
If a covered reason cancels or interrupts the trip, and the entire eligible common-carrier fare was paid with this card, coverage is the actual nonrefundable common-carrier fare or $1,500, whichever is less. Exclusions apply, including illness, pre-existing conditions, and financial or personal arrangements, along with other limits.
- Lost or Damaged Luggage
The entire eligible common-carrier fare has to be paid with this card and/or accumulated points. The guide lists worldwide coverage of up to $1,500 per incident, with a maximum of 2 claims every 12 months. You have to meet the deadlines for reporting the loss to the carrier and for submitting documents, and other insurance and exclusions apply.
Shopping insurance
- Purchase Assurance
A newly purchased eligible item has to be paid entirely with this card and/or accumulated points. If it is damaged or stolen within 90 days of purchase, coverage may apply at up to $1,000 per loss and up to $25,000 per cardholder every 12 months. Pair-and-set rules, reporting deadlines, and exclusions apply.
- Price Protection
If the same newly purchased eligible item is advertised at a lower printed price, or a lower non-auction online price, within 120 days of purchase, you may be able to claim the difference, up to $250 per claim and a maximum of 4 claims per account every 12 months. The advertisement, product category, how you bought the item, and the reporting window are all limited by the official guide.
- Extended Warranty
An eligible item has to be paid entirely with this card and/or accumulated points. When the original manufacturer or store warranty is 24 months or less, the guide can usually extend that warranty by up to an additional 24 months. What is paid, which items qualify, how to claim, and the exclusions follow the official guide.
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