No Annual Fee
Rewards
Smart Rewards™ Mastercard®
CAPITAL ONE CANADA
Secure RateBuddy connection · Application completed on CAPITAL ONE CANADA’s site
Annual Fee
$0
Purchase APR
21.90%
Cash Advance
21.90%
RateBuddy Verdict
The Good
- Unique reward system actively encourages and rewards responsible credit habits (paying down your balance).
- Charges absolutely no annual fee.
- Offers premium insurance coverages like Car Rental CDW and Baggage Delay usually reserved for fee-based cards.
The Trade-offs
- Earning rewards based on payments rather than spending can be confusing to manage.
- Extremely high standard purchase interest rate (up to 29.9% outside of Quebec).
Rewards & Earnings
Base Rate
—
Rewards Summary:
• Earn 5 points for every $1 paid towards your balance
• Points never expire
Welcome Bonus Details
No welcome bonus details are currently listed for this card.
Features & Benefits
No Annual Fee
No annual fee
Car Rental Collision/Loss Damage Waiver
Car Rental CDW included
Extended Warranty Insurance
Extended Warranty (Up to 2 extra years)
Purchase Security Insurance
Purchase Security (120 days)
Baggage Delay/Loss Insurance
Baggage Delay Insurance included
Common Carrier Accident Insurance
Common Carrier Travel Accident included
Insurance Coverage
• Purchase Assurance (120 days)
• Extended Warranty (up to 2 years)
• Car Rental Collision/Loss Damage Waiver
• Price Protection Service
• Common Carrier Travel Accident
• Baggage Delay Insurance
Rates, Fees & Eligibility
| Purchase APR | 21.90% |
|---|---|
| Cash Advance APR | 21.90% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | Poor |
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Filed Under
No Annual Fee
Rewards
Secure RateBuddy connection