Capital One Smart Rewards Mastercard

Capital One Smart Rewards Mastercard

No ratings yetNot yet rated

Capital One · MASTERCARD

The Capital One Smart Rewards Mastercard is a credit card from Capital One on the Mastercard network. It has an annual fee of C$0.

Verified 24 Oct 2026

Key facts

Annual fee
C$0
Purchase APR
21.9% to 29.9%
Network
MASTERCARD

Benefits and perks

  • Turn payments into rewards

Rates and fees

Annual membership fee: C$0. Purchase APR: 21.9% to 29.9%, based on creditworthiness and the Prime Rate.

Rates and fees as published by the issuer and recorded on 24 Oct 2026. See the issuer's terms for current rates. View the issuer's terms

Questions about the Capital One Smart Rewards Mastercard

What is the annual fee on the Capital One Smart Rewards Mastercard?

The Capital One Smart Rewards Mastercard has an annual fee of C$0.

Is the Capital One Smart Rewards Mastercard worth it?

The Capital One Smart Rewards Mastercard is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.

Community

Approval and real earn reports from cardholders are coming to this page soon.

Not sure this is the right card for you?

Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.

Upload a statement