Pros & cons
Pros
- Earn 5 points for every $1 paid towards your balance.
- Includes everyday and travel benefits.
- No annual fee.
Cons
- No welcome bonus.
Your rewards
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Capital One Smart Rewards Mastercard, here's how you earn rewards:
- 5 points per $1 paid towards your balance
For all reward details click here.
Rewards are only earned on payments made towards the account balance.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For Capital One Smart Rewards Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Gift Cards | $150 |
Calculating your annual rewards
$24,000 annual spending x 0.65% return on spending = $156 annual rewards
$156 annual rewards − $0.00 annual fee = $156 net annual rewards
Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $0.00
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase Δ
- 21.90% - 29.90%
- Cash Advance
- 21.90% - 29.90%
- Balance Transfer
- 21.90% - 29.90%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 120 days
- Price Protection
- Yes
- Travel Accident
- $250,000
- Baggage Delay
- $300
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
Capital One Smart Rewards Mastercard's 3.5 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Key benefits
Capital One is not responsible for the content on this site including any editorials or reviews. Please click on the Apply now link for the most up to date product information.
User review
Reviewed by 1 Canadian
Thank you for your review!
Hang tight while we verify and approve it.
If you want to see your review right away...
Create an account:
Was easy to get and my score was nowhere near what you say you need on here of 760 , I believe my score was around 720 at time I got it, was given initially $5000 limit right away, but after never missing a payment on any card I own or using more than %5-10 of limit I have never been offered a credit increase! And they removed the feature on app to request increase which I'm not happy about. And my other Cap One card I've had for 5 years , increased once and nothing again. So pros and cons but I've never had any major issues with this card it's easy to get for sure.
