Capital One T-Mobile Visa
Capital One • Visa
- Annual Fee
- Free
- Cashback
- 2%
- Points Program
- T-Mobile Rewards
- Minimum Income
- —
Score by category
Rewards
★★★★★ 3.5/5
Score by category
Rewards
Points & Miles ★★★★★ 2.8/5
- Earn Rate 3.0
- Bonus Categories 3.5
- Redemption Value 2.0
- Points Expiration 5.0
- Transfer Partners 1.0
Cashback ★★★★★ 3.2/5
- Base Cashback Rate 4.0
- Caps & Limits 4.0
- Redemption Ease 2.5
- Bonus Categories 3.0
- Redemption Flexibility 2.0
Credit Building ★★★★★ 2.7/5
- Upgrade Path 2.0
- Credit Bureau Reporting 4.0
- Educational Tools 1.0
- Credit Limit Growth 2.5
- Approval Accessibility 3.0
Lower Fees ★★★★★ 4.4/5
- Annual Fee Value 5.0
- Cost Transparency 4.5
- Fee Waiver Potential 4.0
- Penalty Friendliness 3.0
- Foreign Transaction Fee 5.0
Purchase Perks ★★★★★ 2.3/5
- Extended Warranty 2.0
- Installment Perks 1.5
- Merchant Discounts 2.0
- Everyday Usefulness 3.0
- Purchase Protection 2.5
Travel Perks ★★★★★ 1.3/5
- Travel Redemption 1.5
- No Foreign Tx Fees 5.0
- Hotel & Airline Perks 1.0
Score by category
User Experience
★★★★★ 4.0/5
Score by category
User Experience
App / Experience ★★★★★ 3.9/5
- Ease of Navigation 4.0
- Self-Service 3.5
- Billing Clarity 4.5
- Feature Quality 3.5
- App Speed & Stability 4.0
Support Quality ★★★★★ 3.8/5
- Response Time 4.0
- Channel Availability 3.5
- Agent Professionalism 4.0
- First-Contact Resolution 3.5
- Resolution Effectiveness 4.0
Transparency ★★★★★ 4.6/5
- Terms Simplicity 4.0
- Billing Transparency 5.0
- Fee & Interest Clarity 5.0
- Charge Predictability 4.5
- Communication Clarity 4.0
Security & Control ★★★★★ 4.1/5
- Card Control Features 4.5
- Fraud Protection 4.0
- Virtual Card Experience 4.0
- Incident Resolution 4.0
- Real-Time Monitoring 4.0
Benefits Usability ★★★★★ 3.6/5
- Ease of Earning 4.0
- Ease of Tracking 4.0
- Real-World Value 3.5
- Rules Simplicity 3.5
- Ease of Redeeming 3.0
Pros & Cons Capital One T-Mobile Visa
Pros
- ✓No annual fee
- ✓2% cashback on all purchases
- ✓5% rewards on T-Mobile purchases
- ✓No foreign transaction fees
- ✓$5 off per line on T-Mobile autopay
Cons
- ✗Limited redemption options
- ✗No intro offer
- ✗Not ideal for non-T-Mobile customers
- ✗Limited travel benefits
- ✗No significant Purchase Protection features
Expert Analysis
AI Analysis
Citocred AI
The Capital One T-Mobile Visa card is a no-annual-fee option that provides 2% cashback on all purchases and 5% on T-Mobile purchases.
Full analysis
It's ideal for T-Mobile customers looking to save on their monthly bills and earn rewards on T-Mobile products. While it lacks an introductory offer, it offers benefits such as no foreign transaction fees and a $5 per line discount on T-Mobile autopay. However, its redemption options are limited, making it most suitable for those already in the T-Mobile ecosystem.
Best for
T-Mobile customers seeking rewards
Avoid if
Non-T-Mobile users
AI-generated analysis · Methodology by Harlon Drosghic
T-Mobile customers seeking rewards
Non-T-Mobile users
The Capital One T-Mobile Visa provides a set of benefits designed to add genuine value to your financial routine:
Cashback
2%
Points Program
T-Mobile Rewards
Contactless Payment
Virtual Card
International Acceptance
See 8 benefits not included in this card
- Miles Program See which cards include this benefit →
- Lounge Access See which cards include this benefit →
- Travel Insurance See which cards include this benefit →
- Purchase Protection See which cards include this benefit →
- Extended Warranty See which cards include this benefit →
- Concierge See which cards include this benefit →
- Apple Pay See which cards include this benefit →
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Features — Details
Fees
Rewards
Premium
Digital
Additional Benefits
- • $5 off per line per month when using card for T-Mobile AutoPay
Rating Methodology
Our rankings are compiled by AI agents that research official issuer data, published rates and real benefits. Each card is rated across 6 dimensions: value for money, rewards, fees, digital experience, customer service, and overall score.
Data is updated periodically and verified with public sources. We do not receive payment from issuers for ranking placement. "Apply" links may be affiliate links.
Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.