The $295 Capital One Mid-Tier Card Survey: 7 Shocking Features That Could Rival Amex Gold

Capital One is actively exploring the launch of a new, highly anticipated mid-tier credit card, a move confirmed by a recent, detailed customer survey that has sent ripples through the credit card community. This potential new offering is designed to strategically bridge the significant gap between the popular no-annual-fee cards, like the Capital One SavorOne, and the premium travel powerhouse, the Capital One Venture X. The information, which surfaced in late 2024 and continues to be a hot topic in December 2025, suggests Capital One is preparing a direct assault on established competitors, most notably the American Express Gold Card, by packaging high-value rewards with unique lifestyle credits. The focus of this mid-tier card survey is clear: create a product with a compelling rewards structure and an annual fee that feels justified by the included benefits. Initial reports and discussions point to a rumored annual fee of approximately $295, positioning it as a serious contender in the competitive $250–$400 annual fee bracket. The proposed features, detailed in the survey, hint at a card that prioritizes everyday spending categories like dining, groceries, and entertainment, making it a powerful tool for the modern consumer.

The Rumored Capital One Mid-Tier Card: A Full Profile Breakdown

While the card's official name remains unknown—speculation ranges from a new "Savor" variant to a "Venture" companion—the proposed benefits outlined in the Capital One survey paint a clear picture of its intended market position and value proposition. The card is designed for consumers who want premium rewards without the high annual fee of a top-tier travel card.

Here is a list of the most discussed and potentially revolutionary features based on the customer feedback survey:

• Rumored Annual Fee: Approximately $295 (non-waivable in the first year).
• Primary Competition: American Express Gold Card and Chase Sapphire Preferred Card.
• Rewards Structure: Heavily focused on lifestyle and everyday spending.
• Target User: High-spending consumers on dining, groceries, and entertainment who desire transferable points.
• Potential Sign-up Bonus: Expected to be competitive, likely in the 60,000 to 80,000 miles range.
• Redemption: Capital One Miles, fully transferable to travel partners.

7 Game-Changing Features Revealed in the Capital One Survey

The core of the excitement surrounding the Capital One mid-tier card survey lies in the specific rewards and credits proposed. These features, if launched, would instantly make this card one of the most compelling options in its class, offering significant value to offset the $295 annual fee.

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1. Elevated Rewards on Dining and Entertainment (4x)

One of the most attractive propositions is the potential for earning 4x Capital One Miles on both Dining and Entertainment. This is a direct shot at the Amex Gold Card's 4x points on Dining and U.S. Supermarkets. By including Entertainment (which typically covers concerts, movies, and theme parks), Capital One expands the card's utility for younger, experience-focused consumers. This category focus is a clear signal that the card aims to be the top-of-wallet choice for social spending.

2. Strong Grocery Earning Rate (3x)

The survey also floated a 3x Capital One Miles earning rate on Groceries. While slightly lower than the Amex Gold's 4x at U.S. Supermarkets, a 3x rate is still highly competitive and superior to many other mid-tier cards. For families and individuals with high grocery spending, this category alone could generate thousands of miles annually, significantly boosting the card's long-term value. This feature helps solidify the card's position as a daily driver.

3. Complimentary UberOne Membership

A major lifestyle perk proposed in the survey is a complimentary UberOne membership. This feature provides significant savings on Uber rides and Uber Eats orders, including $0 delivery fees on eligible food and grocery orders. Given the popularity of food delivery and ride-sharing services, this benefit offers tangible, immediate value that resonates with urban and suburban users alike. This is a modern, high-utility credit card benefit.

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4. Up to $120 Annual Starbucks Credit

Perhaps the most talked-about and unique credit is the proposed $120 annual credit for Starbucks. This credit would likely be distributed as a $10 monthly statement credit, similar to how other issuers structure dining or streaming credits. This small, recurring credit is a powerful psychological tool, as it effectively reduces the out-of-pocket annual fee by $120 for anyone who regularly visits the coffee chain. This type of credit is a key feature of the "coupon book" model popularized by cards like the Amex Platinum.

5. Limited Capital One Lounge Access

To give the card a travel flair without cannibalizing the premium Venture X product, the survey mentioned including two complimentary visits per year to Capital One Lounges. This is a brilliant strategy. It allows the mid-tier cardholder to experience the high-end lounge network—which includes locations like Dallas-Fort Worth (DFW), Denver (DEN), and Washington Dulles (IAD)—without granting unlimited access. This limited access is a strong incentive for occasional travelers and a clear differentiator from rivals.

6. Direct Competition with American Express Gold

The entire feature set—4x dining, strong grocery rewards, and lifestyle credits—is a direct, calculated move to challenge the dominance of the American Express Gold Card. Capital One is attempting to offer a similar lifestyle-focused rewards structure but with a potentially lower net annual cost and a more flexible points currency (Capital One Miles vs. Amex Membership Rewards). The inclusion of transferable points is crucial, allowing users to move miles to airline and hotel partners for maximum travel value.

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7. Filling the Gap Below Venture X

The launch of a mid-tier card would perfectly round out Capital One's credit card portfolio. Currently, there's a huge step up from the no-annual-fee SavorOne or VentureOne to the Venture X ($395 annual fee). The new $295 card would serve as a natural upgrade path for SavorOne users who want transferable points and a premium experience, and a logical downgrade option for Venture X users looking to save on the annual fee while retaining some travel perks and strong daily rewards.

The Strategic Importance of a Mid-Tier Travel Card

The credit card market is increasingly segmented, and the "sweet spot" for many consumers is the mid-tier category. These cards offer an optimal balance of value, rewards, and manageable annual fees. For Capital One, launching this card is not just about competing with American Express or Chase; it’s about securing long-term customer loyalty.

By offering a card that rewards high-frequency, everyday spending (Dining, Groceries, Entertainment), Capital One ensures the card remains in the customer's wallet for daily transactions. The inclusion of credits like UberOne and Starbucks creates a sense of "fee-offset," making the $295 annual cost feel closer to zero for users who maximize the benefits. This strategy creates a sticky product that users are less likely to cancel, leading to higher retention rates and greater profitability for the issuer.

The market is eagerly awaiting an official announcement. Based on the depth and detail of the Capital One mid-tier card survey, it is highly likely that this new product will move from rumor to reality in the coming months, fundamentally reshaping the landscape of mid-tier travel and lifestyle credit cards.

LSI Keywords and Entity List:

• American Express Gold Card
• Capital One Venture X
• Capital One SavorOne
• $295 Annual Fee
• Capital One Miles
• Transferable Points
• UberOne Membership
• Starbucks Credit
• Capital One Lounges
• 4x Dining Rewards
• 3x Groceries Rewards
• Credit Card Portfolio
• Chase Sapphire Preferred
• Premium Travel Card
• Fee Offset