Rewards:

You'll earn 1% cash back on all purchases, plus a 0.25% bonus every month you pay on time. That adds up to 1.25% in cash back.

 

Costs:

Annual fee

$550

Rewards rate

None

Intro APR

N/A

Ongoing APR

26.74% Variable APR

Balance transfer fee

$0

Foreign transaction fee

None

 

Application:

See If You're Pre-Qualified

Are you eligible for pre-qualified credit card offers? There's no impact to your credit score to find out now. Apply by phone

View Your Credit Score

Use CreditWise® from Capital One® to monitor your credit score and more. Learn about CreditWise.

 

Payment

View, edit or cancel a scheduled payment

To view pending payments, including online, mobile, phone and AutoPay payments, look under Pending Payments. From here, you can also edit or cancel a payment.

How to make an online credit card payment

Set up a payment account that will be associated with your credit card.
Make your online payment quickly and easily.
You can schedule up to three payments at a time.

 

Customer Service:

Phone

1-877-514-2265

Find an ATM or Capital One location near you

When you need us, we'll be there. Visit a Capital One ATM or branch near you or experience Banking Reimagined® at a Capital One Café.

The Platinum Card® from American Express

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The Platinum Card® from American Express

A choice option for people who spend a lot of time gazing from airplane windows or checking in to hotels, the prestigious Platinum Card from American Express provides a bevy of high-end benefits. Despite costing $550 annually, the profusion of perks makes this card feel worth it; you’ll get the best airport lounge access for a credit card, a variety of annual credits, and enrollment into Marriott Bonvoy and Hilton Honors Gold statuses.

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pros and cons

5X Membership Rewards points on:

Flights booked directly with airlines or Amex Travel

Eligible hotels booked with Amex Travel

2X Membership Rewards points on other eligible purchases from Amex Travel

1X Membership Rewards point on all other purchases

$550 annual fee.

Cost

Annual Fee

$550

Purchase APR

$0

Foreign Transaction Fee

$0

Cash Back

None

Credit Score

None

Long Hotel Stays

Frequent travelers have had a long-lasting love affair with the Citi Prestige® Card (Review). This card offer is unique for its fourth night free on hotel stays of four nights or more, a valuable perk that could help you save hundreds or even thousands of dollars per year, if you stay at high-end properties. The Prestige used to be a powerhouse because you could use that benefit as often as you wanted, but now it’s capped at two uses per year. This new limitation is a bit of a downer, but most people shouldn’t mind too much because Citi stated that the average cardholder didn’t use that perk more than twice per year anyway.

Premium Travel Rewards

Frequent travelers can get a lot out of the Chase Sapphire Reserve® (Review). Cardholders enjoy an excellent rewards rate on travel and dining, valuable travel benefits that are easy to take advantage of, and diverse travel partners for point transfers. Wondering if you should go with the Sapphire Reserve or the less-expensive Chase Sapphire Preferred® Card (Review)? Read our comparison of the Chase Sapphire Reserve vs. Sapphire Preferred.

Travel Rewards with No Annual Fee

The Capital One® VentureOne® Rewards Credit Card (Review) is the top no fee travel card because it offers a decent reward rate for every purchase you make, with the ability to transfer your miles to a variety of airline partners. It can help you travel for free without putting an extra strain on your wallet, as long as you avoid interest and other fees.

Various Hotels

The Citi Prestige® Card (Review) has an excellent rewards program for anyone who tends to stay with different hotel brands, with 3X points for every stay (plus other handy categories for travel). But the best part? You’ll get your fourth night free on hotel bookings, up to twice per year, when you book with ThankYou.com. Plan to use those on a nice vacation, at a fancy hotel or resort, and they could easily be worth over $1K per year. There’s also solid airport lounge access through Priority Pass, and a travel credit to help offset the annual fee.

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Related Credit Card/Article

Designed for the frequent Delta Air Lines flier, this card offers considerable rewards and benefits at the cost of a high annual fee. Along with some nifty perks to help you save money and travel more comfortably, you’ll also enjoy a personal concierge service and a free membership to the Delta Sky Club.
Delta SkyMiles® Reserve American Express Card
The Delta SkyMiles Reserve Credit Card from American Express offers some of the most sought after perks frequent flyers crave, including complimentary airport lounge access. You won’t earn a lot of miles for award flights on non-travel purchases, but your Delta spending will put you on the fast track to elite status in the airline frequent flyer program. If you love traveling in comfort and you’re loyal to Delta Air Lines, this card warrants consideration.
Delta SkyMiles® Reserve Business Card
The United Explorer Card definitely isn’t your run-of-the-mill airline credit card. Between TSA PreCheck fee credit, annual lounge visits and Luxury Hotel & Resort Collection access, the card is jam-packed with perks that will enhance your trips from start to finish — not just when you’re in the air.
United℠ Explorer Card
This basic airline card, issued by Citibank, is best for non-commital fans of American Airlines who have excellent credit and are looking to ease into a frequent flyer program. There’s no annual fee, and you don’t have to spend much to get the modest sign-up bonus. The card rewards even the occasional traveler, since charging your groceries earns you just as many miles as flying. Just don’t expect the travel perks you’ll get with most airline cards. If you want those, consider an alternative like the Citi AAdvantage Platinum Select World Elite Mastercard.
American Airlines AAdvantage MileUp Card