Best Credit Cards for Those With Excellent Credit

The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not  be the same score model used by your lender or creditor. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. In order to enroll in CreditWise, you need to be a US resident, 18 or older, and have a valid social security number that can be matched to a credit profile from the TransUnion® credit bureau. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to be a Capital One account holder (which includes Discover card accounts) to sign up for CreditWise.

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2% Cash Back at gas and restaurants: You will earn 2% cash back on your first $1000 in combined purchases at gas stations (stand-alone) and restaurants each calendar quarter. Calendar quarters begin January 1, April 1, July 1, and October 1. Purchases at gas stations and restaurants over the quarterly cap, and all other purchases, except as noted below, earn 1% cash back. Gas station purchases include those made at merchants classified as places that sell automotive gasoline that can be bought at the pump or inside the station, and some public electric vehicle charging stations. Gas stations affiliated with supermarkets, supercenters, and wholesale clubs may not be eligible. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Restaurants located inside of or affiliated with another business, such as hotels or retails stores and establishments classified as a bakery, may not qualify. Purchases must be made with merchants in the U.S. To qualify for 2%, the purchase transaction date must be before or on the last day of the offer or promotion. For online purchases, the transaction date from the merchant may be the date when the item ships. Rewards are added to your account within two billing periods. Capital One uses merchant category codes to determine if a purchase is in one of the additional cash back categories. This means that sometimes a purchase may not earn additional cash back. For example, some food trucks or food carts may use a merchandise code and restaurants in department stores or hotels may use a merchandise or hotel code instead of a dining code. Certain third-party payment accounts and digital wallet transactions may not earn additional cash back if the technology does not provide sufficient transaction details or a qualifying MCC. Capital One is not responsible for merchant category codes used by merchants. Applies to all rewards: Earnings will apply to net purchases (purchases minus any credits or returns). Cash advances, balance transfers, transfers from Discover or Capital One checking or other deposit accounts, and checks used to access your account are not considered purchases and will not earn rewards. Portions of purchases paid with rewards, transactions that do not comply with our policies and/or applicable laws, or any cash you receive in connection with a purchase at the point of sale through Discover's Cash at Checkout feature will not earn rewards. See Your Rewards Program Terms & Conditions and your online account for more details.

Redeem miles: Redemption rates for these options may vary and are subject to change.