Point Multipliers

  • 1.5% Cash back on every purchase
  • 5% Cash back on hotels and rental cards booked through Capital One Travel

Annual fee: $39

Sebby's Take: This card offers unlimited 1.5% cash back on every purchase and is accessible to those with average credit. It’s a rare combination of credit-building potential and ongoing rewards, though it comes with a small annual fee.

Sebby's Take: This card offers unlimited 1.5% cash back on every purchase and is accessible to those with average credit. It’s a rare combination of credit-building potential and ongoing rewards, though it comes with a small annual fee.