Smart Rewards™ Mastercard®
Earn 5 points per $1 paid towards your balance1. Find out if you’ll be pre-approved2 with no risk to your credit score.
Card design may vary.
Find out if you’ll be pre-approved2 with no risk to your credit score.
See if you’ll be pre-approvedSee if you’ll be pre-approved & applyCard design may vary.
How it works
Step 1
Buy stuff
Step 2
Make payments3
Step 3
Get rewarded
Your points will never expire. Ever.
Easily redeem your points online
Protect your credit against fraud4
You’ve got this and we’ve got you
Get the first Canadian credit card that celebrates and rewards you for payments you make towards your balance. You can earn unlimited points while enjoying other great benefits that can come with good credit habits – like watching your credit score rise.
We’ve got your back with our suite of benefits
Everyday benefits
Purchase Assurance
Lost, stolen or damaged purchase? Eligible items can be protected.
Extended Warranty
Automatically double the original manufacturer’s warranty on eligible purchases.
Car Rental Collision/Loss Damage Waiver Insurance
Save on collision damage waiver insurance for rentals – you may already be eligible for coverage.
Price Protection Service
Did an item you purchased go on sale? You may be eligible to receive the cost difference.
Travel benefits
Common Carrier Travel Accident Insurance
Travel with ease with your entire family. You could be eligible for insurance coverage in the event of accidental loss of life or dismemberment while on a common carrier.
Baggage Delay Insurance
Purchase of essential items may be reimbursed if your luggage is delayed when you purchase a trip with your card.
Mastercard benefits
Mastercard Global Service™
Get emergency card replacement, emergency cash advance and more if your card is lost or stolen.
Zero Liability
Don’t pay for any unauthorized purchases on your card.
More than just a credit card
You’ve got this and we’ve got you. That’s why all of our cards come with a range of features, tools and services to help you get the most out of your card.
Stay secure and in touch with your account
Customize alerts to suit your needs
Know about any suspicious card activity as it happens, when payments are due, and spot unexpected charges like bill hikes, double charges and more.
Redeem with ease
Our online rewards portal has a growing collection of gift cards and other great ways to redeem your points – it’s easy!
Manage your account from anywhere with our app
Learn more about the Capital One mobile app
Track your credit score for free with Credit Keeper®
Learn more about Credit Keeper
Get personalized customer support
Self-serve support
with our Support Centre
Live chat
in your account online
24/7 live agents
on call, any time
You asked, we answered
Documents
More info
1 Points are applied to total net payments. That means any net payment that’s credited to your Smart Rewards credit card minus any reversed or refunded payments.
2 If Capital One pre-approves you for a credit product, you can be sure we’ll approve your application, except in limited circumstances. Some of the reasons we may not approve your application, among others, include:
- There’s been a change in your credit file information, personal information, financial status, or our credit decision criteria, from the time you’ve been given a pre-approval offer to the time Capital One makes a decision about your application.
- Your application is flagged for fraud prevention.
- You have an existing Capital One account.
- You’ve applied for a Capital One credit product in the last 30 days or had an account with us that was not in good standing in the last year. In good standing means not past due, over limit, fraudulent, restricted, or part of a consumer credit counselling program or bankruptcy.
- (For Quebec Residents only): In some cases, based on your maximum desired credit limit.
In some cases, we may not be able to open an account for you even though your application was approved. This can happen if we’re unable to verify your identity, or you don’t provide the required security funds if you’re approved for a Secured Mastercard®.
If you’ve received multiple pre-approval offers, accepting one may invalidate the others.
3 Payments made towards the account balance on your Smart Rewards credit card are eligible to earn points.
4 We provide Zero Liability for unauthorized use of your card. That means you won’t pay for any unauthorized purchases on your card. Conditions apply.
Legal
Billing Cycle/Statement Period: The duration of each billing period for which a statement may be provided varies. It is typically between 28 and 31 days.
Annual Fee: $0
Interest-Free Grace Period: You will benefit from an interest-free grace period of at least 25 days on new purchases and standard balance transfers if you pay off your new balance in full by the payment due date. There is no interest-free grace period on cash advances, special balance transfers and interest charges.
Minimum Payment: If you reside anywhere other than the province of Quebec, your required minimum payment will be the greatest of: (i) The sum of the following, rounded down to the nearest dollar: (a) 1% of your new balance, (b) any interest charges you may have, plus any past due required minimum payment amount; or (ii) $10 plus any past due required minimum payment amount.
If you reside in Quebec, your required minimum payment will be the greatest of: (i) 5% of your new balance plus any past due required minimum payment amount; or (ii) $15 plus any past due required minimum payment amount.
If your required minimum payment exceeds your total balance, we’ll only require the total balance. If you are over limit by more than your required minimum payment, we’ll request the full over limit amount.
| Annual Interest Rates | Average Daily Balance | ||
|---|---|---|---|
| $100 | $500 | $1,000 | |
| 21.9% | $1.83 | $9.13 | $18.25 |
| 25.9% | $2.16 | $10.79 | $21.58 |
Purchase Assurance, Extended Warranty, Car Rental Collision/Loss Damage Waiver and Baggage Delay insurance are underwritten by American Bankers Insurance Company of Florida (ABIC), while Price Protection Service is a service provided by ABIC. Common Carrier Travel Accident Insurance is underwritten by American Bankers Life Assurance Company of Florida. Details of the coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel.
Apple and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
