Cash back · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Capital One Union Plus Cash Rewards is a no-annual-fee cash back card from Capital One. It earns 1.5% on every purchase with no categories to track.
On our reference budget of $24,600 a year it returns about $369, an effective 1.5% back.
It is a fine only card. It loses to category cards for people who spend heavily on one thing, and even then it belongs in the wallet for everything else.
No welcome bonus is stored for this catalog entry yet.
AT&T is the only nationwide, unionized wireless carrier, employing more than 150,000 union members. Union Plus Credit Cardholders and Teamster Privilege Credit Cardholders can qualify for up to $250 in rebates when they switch to AT&T and upgrade to a new smartphone while using their Union Plus Credit Card or Teamster Privilege Credit Card. That’s on the top of the union-exclusive savings on qualified AT&T wireless plans through the AT&T Signature Program.
Hit the road for less with your Union Plus Credit Card. Cardholders can get up to 25% off their car, van, truck or SUV rental at Avis and Budget. Just use your card in store, online or over the phone to automatically receive the discount. Discount rental car rates and savings vary depending on the type of car or vehicle, time of year, location and length of car rental reservation.
Helps eligible cardholders who have lost significant income from a long-term illness or disability.
Aids eligible cardholders with large, unreimbursed hospital expenses.
Help eligible cardholders who have recently been laid off or furloughed.
Provides assistance to eligible cardholders who are on a union-sanctioned strike or experiencing a union-sanctioned lockout.
Cardholders get 30% off their Teleflora arrangement or gift basket—that’s 5% more than the everyday union member discount. Pay with a Union Plus Credit Card online to automatically receive the discount, or use promo code UPLUV when placing an order over the phone.
These come from Mastercard, not from Capital One. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
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 |
|---|---|---|---|---|
| Union Plus Cash RewardsThis card · 1.5% on everything | None | $369 | +$369 | 473rd 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.
