0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 2x
Categories: 2x Gas, 2x Groceries, 2x Dining
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points do not expire as long as account is active and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: None
Redemption Penalties: None
Benefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING75,000
Points/MilesRequirement: Spend $4,000 in 90 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $0.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Please note: 'keybank-rewards' is a program associated with KeyBank, not Capital One. This analysis assumes the user intended to inquire about a *hypothetical* Capital One rewards card, applying Capital One's general application and bonus rules as projected for 2026, acknowledging that specific 2026 rules are speculative but likely to follow current trends. **Eligibility Requirements (Capital One General Rules, projected for 2026):** * **Credit Score:** Applicants typically need good to excellent credit (generally FICO scores of 700+) for Capital One's rewards credit cards. * **Income:** Sufficient verifiable income to support the requested credit limit and demonstrate repayment ability. * **New Accounts (Unofficial '2/6, 3/12' Rule):** Capital One is highly sensitive to recent credit inquiries and new credit card accounts opened across *all* issuers. While not officially published, data points suggest that applicants may face difficulty getting approved if they have opened 2 or more new credit accounts in the last 6 months, or 3 or more in the last 12 months. * **Existing Capital One Cards:** Generally, Capital One limits new credit card approvals to one every six months per individual. * **Bonus Eligibility:** For most Capital One cards, you are typically not eligible for a sign-up bonus if you currently have or have had that specific card product in the past (often within a certain timeframe). For premium cards like the Venture X (as mentioned in the prompt), a 'once per lifetime' bonus restriction applies. Capital One reserves the right to deny a bonus if they suspect bonus churning or abuse of their rewards programs.
Max Cards Per Issuer: 2
Min Spend Interval: 3 months
Cliff Effect Rules: Capital One's primary 'cliff effect' rules are generally related to the number of cards and application frequency: 1. **One Card Every Six Months:** You are typically limited to one new Capital One credit card approval every six months. 2. **Maximum Personal Cards:** Most individuals are limited to a maximum of two personal Capital One credit cards at any given time. Exceeding this limit will result in automatic denials for new applications. 3. **Product-Specific Bonus Restrictions:** Certain premium cards, such as the Venture X, have a 'once per lifetime' restriction on their sign-up bonus, meaning you can only receive the bonus once, regardless of how long it has been since you last held the card.
Special Events: Not applicable for general Capital One rewards cards, as Capital One does not primarily issue traditional 'store cards' tied to specific retail chains' promotional events. Co-branded cards may have specific partner promotions, but these are distinct from general store card events.
Holiday Promos: Variable, but Capital One, like many major issuers, frequently offers elevated sign-up bonuses or special spending category promotions around major shopping holidays (e.g., Black Friday, Cyber Monday, end-of-year) or during specific seasonal campaigns to attract new applicants.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Simple, flat-rate 2X rewards on all purchases, no annual fee, easy redemption.
Top Negative:
Lack of premium benefits, no bonus categories, potentially higher APR for some users, limited travel perks.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Capital One Quicksilver Cash Rewards Credit Card
- Wells Fargo Active Cash Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $400.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0