Best Categories for This Card
2.00%
effective
All Other Purchases
2x T-Mobile Rewards
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
Everywhere else | 2x | Ongoing | — | 2.00% |
Card details
- Last verified
- Oct 15, 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 →
How it stacks up
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.
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