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Capital One Smart Rewards™ Mastercard®
Points Calculator
Card Details
Interest Rates
Purchase: 29.9%□
Cash Advance: 29.9%□
Balance Transfer: 29.9%□
□ Quebec rates: Purchase 21.9%, Cash advance 21.9%, Balance transfer 21.9%
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
N/A
Our Rating
3.9/5
Institution
Capital One
How You Earn Rewards
- 5 points per $1 paid towards your balance
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Travel Accident
$250,000
Baggage Delay
$100/day up to 3 days.svg)
Car Rental Damage & Theft
Up to 31 days
Purchase Protection
120 days
Extended Warranty
double up to 2 years
Benefits
Details
Price Protection
60 days, Up to $100 per item, $500 per year
Pros & Cons
Pros
- Solid 1.25% return rate on balance payments
- Unique rewards structure that promotes responsible payment habits
- No annual fee keeps costs low
- Encourages consistent payment behavior and financial discipline
- Good for those who want to avoid spending incentives
- Enhanced insurance coverage including purchase security and extended warranty
- Travel coverage for rental cars, baggage delays, and common carrier accidents
- Helps build positive payment history
Cons
- Only earns rewards on payments, not purchases
- No welcome bonus offered
- Rewards program may seem confusing to traditional cardholders
- Limited redemption options compared to traditional programs
- Different earning philosophy may not appeal to all users
- Lower earning potential than premium rewards cards that offer category bonuses
Legal
Capital One is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for a Capital One card, (I/we) may receive compensation from Capital One, which can be in the form of monetary payment.