Capital One・Mastercard・No.020
The no-fee pick for people who love eating out and going out, and no foreign transaction fee abroad.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-10-16 (source: capitalone.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Best for foodies and social spenders who also travel occasionally.
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
No, there is no annual fee.
No, it has no foreign transaction fees, unusual for a no-fee cash back card.
3% cash back on dining, entertainment, grocery and streaming.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.