Capital One · VISA SIGNATURE · annual fee $0
The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.
No foreign transaction fee.
Purchase APR: 18.49% or 28.49% (based on creditworthiness)
The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/capital-one-tmobile.