Capital One
T-Mobile Visa
Estimated value every year on typical spending
$333/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: T-Mobile AutoPay Discount $60 → $21
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Capital One T-Mobile Visa can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $333 a year on typical spending.
Its rewards are T-Mobile rewards, which only spend with one merchant, so we count them at 50% of face value.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- Not specified
- Top perk
- $5 off per line per month when you use your card for T-Mobile AutoPay (eligible...
- Approval
- Good credit recommended
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
- 2% in rewards on every purchase, every day
- 5% in rewards on T-Mobile purchases
Sign-up bonus
None
Best for
- Keeping costs at $0
Not ideal for
- Anyone who doesn't shop there often (rewards are T-Mobile rewards, so we count them at half value)
- Frequent international travelers
Trade-offs: No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- Not listed
- $1200/mo on everyday spending earns about $144/year (1%).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
T-Mobile Visa: questions people ask
Is the Capital One T-Mobile Visa worth it?
With no annual fee, the Capital One T-Mobile Visa can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $333 a year on typical spending.
What is the Capital One T-Mobile Visa annual fee?
The Capital One T-Mobile Visa has no annual fee ($0).
What does the Capital One T-Mobile Visa earn?
2% in rewards on every purchase, every day. 5% in rewards on T-Mobile purchases.
What credit score do you need for the Capital One T-Mobile Visa?
The issuer recommends good-excellent credit. Checking your matches on CardFit never runs a credit check.
Does the Capital One T-Mobile Visa charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
Similar cards
- American ExpressBlue Cash Preferred Card$607/yr · $95 fee
- American ExpressBlue Cash Everyday Card$480/yr · $0 fee
- ChaseChase Freedom Unlimited$540/yr · $0 fee
- ChaseChase Freedom Flex$408/yr · $0 fee
Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Capital One product page. Terms change often; confirm them with the issuer before you apply.