Capital One Smart Rewards Mastercard

Smart Rewards Program

Earn 5 Smart Rewards points for every $1 paid toward your account balance, rewarding responsible payment behavior rather than spending.

No Reward Expiry

Smart Rewards points never expire while the account remains open and in good standing.

Purchase Assurance

Eligible purchases are protected against theft, loss, or accidental damage for up to 120 days from the purchase date.

Extended Warranty

Automatically doubles the original manufacturer's warranty on eligible purchases for up to two additional years.

Car Rental Collision and Loss Damage Waiver

Coverage against theft, loss, or damage to eligible rental vehicles when the full rental cost is charged to the card and the rental company's collision damage waiver is declined.

Price Protection Service

Receive reimbursement for eligible price differences if an item purchased with the card is advertised at a lower price within 60 days of purchase, subject to policy limits.

Common Carrier Travel Accident Insurance

Coverage of up to $250,000 for accidental loss of life or dismemberment while travelling on an eligible common carrier when fares are charged to the card.

Baggage Delay Insurance

Reimbursement for essential purchases when checked baggage is delayed for more than four hours during an eligible trip.