Our illustration, not the card’s design
Capital One credit card
The Key Rewards Visa
- APR up · 29.24% to 29.49% · Nov 1, 2026
No annual fee. Purchase APR 29.49%, variable. No foreign transaction fees.
Checked Nov 8, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 8, 2026
Issuer's page · capitalone.com
“Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 8, 2026
Issuer's page · capitalone.com
“Key Rewards Visa: Purchase APR: 29.49% variable APR; Balance Transfer APR: 29.49% variable APR; Cash Advance APR: 29.49% variable APR.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 8, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Good-Excellent
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: rewards spendable only with Key Rewards: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: rewards spendable only with Key Rewards: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: rewards spendable only with Key Rewards: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: rewards spendable only with Key Rewards: not counted (brand_rewards).
Use your own spending
Estimates from the published terms above, as checked Nov 8, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$610 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$600 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$600 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Key Rewards
How you earn
- 10%
- Net Eligible purchases at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham, excluding GreenRow, during the first 30 days from account opening
- 5%
- Net Eligible purchases at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham, excluding GreenRow, after the first 30 days
- 4%
- Net Eligible purchases at grocery stores, food delivery services, and restaurants
- 1%
- Everything else
Cash back, as a share of each purchase.
Benefits
- A $25 birthday rewards certificate is issued during the cardmember's birthday month, subject to the stated eligibility requirements, and must be redeemed within 30 days following issuance.
- Free standard shipping on eligible items at Williams Sonoma within the contiguous 48 states, provided the cardmember spends $0.01 or more with the Key Rewards Visa in-store or online and pays directly with the card as the initial payment method.
- Qualifying purchases of $750 or more at Pottery Barn, West Elm, Williams Sonoma, and other listed participating brands may receive zero-interest financing with 12 equal monthly payments for 12 months. Rewards are not earned on promotional financing purchases.
- The card can be used at the eight listed family-of-brands locations and anywhere Visa is accepted. Key Rewards can be redeemed at the listed brands online or in-store.
- Account management, virtual card access, card lock, AutoPay, and rewards tracking are available through the Capital One Mobile app.
Changes
- Nov 1, 2026 APR 29.24% to 29.49%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 8, 2026 Issuer's page · capitalone.com “Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 8, 2026 Issuer's page · capitalone.com “Key Rewards Visa: Purchase APR: 29.49% variable APR; Balance Transfer APR: 29.49% variable APR; Cash Advance APR: 29.49% variable APR.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 8, 2026 Issuer's page · capitalone.com “Key Rewards Visa: Purchase APR: 29.49% variable APR; Balance Transfer APR: 29.49% variable APR; Cash Advance APR: 29.49% variable APR.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 8, 2026 Issuer's page · capitalone.com “Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 8, 2026 Issuer's page · capitalone.com “Key Rewards Visa: Purchase APR: 29.49% variable APR; Balance Transfer APR: 29.49% variable APR; Cash Advance APR: 29.49% variable APR.” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 8, 2026 Issuer's page · capitalone.com “Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 8, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Before you apply
- Credit the issuer asks for: Good-Excellent (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $0 · capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 29.49% APR · capitalone.com, since Nov 1, 2026
- What credit do you need?
- Good-Excellent · capitalone.com, since Nov 1, 2026