THE CARDTUNED DATABASE
Compare credit cards
Compare fees, rewards and the conditions that matter. Rates keep their original units.
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 |  |
|---|---|
| Costs | |
| Annual fee | |
| $0 | $0 |
| Foreign transaction fee | |
| $0 | $0 |
| Intro APR | |
| 0% intro APR for 12 months from account opening on purchases. | 0% for 15 months on purchases and balance transfers; balance-transfer fee applies. |
| Regular APR | |
| 18.74%, 24.74% or 28.74% variable APR after the introductory period; September 26, 2026 application terms. | 18.49%–28.49% variable after the introductory period. |
| Rewards | |
| Earning rates | |
Unlimited 3X restaurants, travel, gas, transit, popular streaming services and phone plans; 1X other purchases | 1.25X miles on every purchase; 5X on eligible hotels, vacation rentals and rental cars through Capital One Travel |
| Reward restrictions | |
| Bonus categories depend on Visa merchant coding. The 20,000-point offer requires $1,000 in net purchases within 3 months; eligibility restrictions and channel-specific terms apply. | 5X requires eligible Capital One Travel bookings; transfer partners and ratios can change. |
| Current offer | |
| 20,000 points after $1,000 in net purchases within 3 months of account opening. | 20,000 miles after $500 in purchases within 3 months (verified Aug. 28, 2026) |
| Eligibility & sources | |
| Eligibility | |
| U.S. applicant of legal age; subject to Wells Fargo credit approval, identity and income verification, and current product/application rules. | U.S. applicant of legal age; subject to Capital One credit approval, identity and income verification, and current product/application rules. |
| Credit profile | |
| Generally good to excellent credit positioning | Generally good to excellent credit positioning |
| Full card review date | |
| 2026-09-07 | 2026-09-07 |
| Official source | |
Full card review dates cover the overall review. Individual terms and offers may have later checks; open each card for the dated details.