Best Categories for This Card
3.00%
effective
Gas Stations
3x Kohl's Rewards
2.00%
effective
Groceries
2x Kohl's Rewards
1.00%
effective
All Other Purchases
1x Kohl's Rewards
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Gas Stations | 3x | Ongoing | — | 3.00% |
| Groceries | 2x | Ongoing | — | 2.00% |
Everywhere else | 1x | Ongoing | — | 1.00% |
Card details
- Last verified
- Oct 22, 2026
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
Fees, benefits, and current offers change frequently. Visit Capital One’s official page for the most up-to-date terms straight from the issuer.
View on Capital One’s siteThis link opens Capital One’s website in a new tab. PayWithThis is not affiliated with Capital One and receives no compensation for this link.