Rewards · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
The Key Rewards Visa from Capital One is a no-annual-fee points card from Capital One. Its best everyday rates are 4x on dining, and 4x on grocery stores; everything else earns 1x. There is also 5x on Mark and Graham, a single-merchant rate. Its points redeem for roughly a third of a cent each rather than a full cent, and we value them that way.
On our reference budget of $24,600 a year it returns about $178, an effective 0.7% back.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
4% back at restaurants (excludes fast food)
4% back at grocery stores
5% back at Mark and Graham
5% back at Pottery Barn
5% back at West Elm
5% back at Williams Sonoma
No welcome bonus is stored for this catalog entry yet.
$25 birthday reward sent to your email.
10% back in rewards for your first 30 days, 5% thereafter at Pottery Barn, Williams Sonoma, West Elm, and more.
12-month promotional financing on purchases of $750 or more.
Free standard shipping at Williams Sonoma.
These come from Visa, not from Capital One. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
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This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
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Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
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Get assistance with travel planning, entertainment tickets and more.
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Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| The Key Rewards VisaThis card · 4x on dining | None | $178 | +$178 | 890th of 1,291 |
| Venture RewardsCapital One's most-held other card · 2x on everything | $95 | $582 | +$487 | 294th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
