Mastercard3/4 on file
✓ Annual fee checked
Capital One Canada · Mastercard
Capital One Smart Rewards™ Mastercard®
The Capital One Smart Rewards™ Mastercard® is a Mastercard from Capital One Canada with an annual fee of C$0. Here is what we hold on it, and what we do not.
Opens Capital One Canada’s site
Ledger entry
The receipt
Every cost line we hold for the Capital One Smart Rewards™ Mastercard®, exactly as recorded.
- Annual fee
- C$0Checked capitalone.ca
- Supplementary card
- FreeChecked FCAC comparison tool
- Foreign transaction
- 2.5%Checked FCAC comparison tool
- Purchase APR
- 21.9%–29.9%Checked capitalone.ca
- Income requirement
- Not confirmed
- Network
- Mastercard
- Credit needed
- Not confirmed
Sign-up
The welcome offer
No welcome offer on file
We couldn't verify this · check with the issuerWe hold no published welcome offer for the Capital One Smart Rewards™ Mastercard®. That may mean there isn’t one, or simply that we have not recorded it — Capital One Canada’s own page is the place to check.
Rewards
What it earns
Published category multipliers for the Capital One Smart Rewards™ Mastercard®.
| Category | Earn rate | Cap |
|---|---|---|
| paid towards your balance | 5x | No cap on file |
Next step
Ready to apply for the Capital One Smart Rewards™ Mastercard®?
You'll finish the application on Capital One Canada's own site. Terms can change without notice, so check the fee and offer there before you commit.
Apply nowOpens Capital One Canada’s site
Questions
Questions about the Capital One Smart Rewards™ Mastercard®
How much is the Capital One Smart Rewards™ Mastercard® annual fee?
The Capital One Smart Rewards™ Mastercard® has an annual fee of C$0. Weigh that against the rewards and perks you will actually use.
What does the Capital One Smart Rewards™ Mastercard® earn?
The Capital One Smart Rewards™ Mastercard® earns 5x on paid towards your balance. The full table is on this page.
What network is the Capital One Smart Rewards™ Mastercard® on?
The Capital One Smart Rewards™ Mastercard® runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.
Is the Capital One Smart Rewards™ Mastercard® available in Canada?
Yes — the Capital One Smart Rewards™ Mastercard® is issued by Capital One Canada and is available to eligible applicants in Canada. Approval depends on the issuer's own credit and income criteria.
When were the Capital One Smart Rewards™ Mastercard® figures last checked?
We checked its annual fee in October 2026, its supplementary card fee in September 2026, its foreign transaction fee in September 2026, its purchase APR in September 2026 and its earn rates in September 2026, each against a published document. We could not verify, so we do not print: welcome offer. Check them with Capital One Canada. Terms can change without notice, so confirm the current details with Capital One Canada before you apply.