Updated September 29, 2026 · DebitCue Editorial Team
Capital One vs CrediMax
Capital One
Higher score in this comparison
CrediMax
What sets them apart
| Compare | Capital OneReviewSee alternativesSee alternatives | CrediMaxReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | $0 | BHD 0 |
| Rewards rate | unlimited 1.5% cash back on every purchase | 30% cashback on talabat orders, up to 1% cashback on other spends |
| Balance transfer intro period | 18 monthsHigher | 6 months |
| Perks | Free CreditWise credit score and report, Up to 56 days interest free on new spends, Section 75 protection on spends between GBP 100 and GBP 30,000, Up to 2 credit limit increases a year, Free QuickCheck eligibility check with no impact to credit score, Round the clock fraud security | Airport lounge access worldwide via MasterCard Travel Pass, Up to 25% off travel bookings via trip.com, IHG Hotels and Ole Sereni Hotels, Up to 20% off car rentals at select partners, Purchase protection against theft or damage for up to 90 days, Free talabat Pro subscription and free food and grocery deliveries, Monthly flexible payment plan, Grace period of up to 25 days from statement date, up to 55 days, Annual raffle entry for cars and cash prizes, 24/7 support via online banking, mobile app and customer service |
| APR | 34.9% | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Balance transfer fee | 3% | Not confirmed |
| Credit needed | Excellent | Not confirmed |
| Cashback rate | 1.5% | Not confirmed |
| Regulators | FDIC | Not confirmed |
Same on both: Rewards type (Cashback), Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Founded is lower at Capital One: 1985 vs 1999.
- Balance transfer intro period is higher at Capital One: 18 months vs 6 months.
- Perks: only Capital One offers Free CreditWise credit score and report, Up to 56 days interest free on new spends, Section 75 protection on spends between GBP 100 and GBP 30,000.
- Perks: only CrediMax offers Airport lounge access worldwide via MasterCard Travel Pass, Up to 25% off travel bookings via trip.com, IHG Hotels and Ole Sereni Hotels, Up to 20% off car rentals at select partners.
- Support channels: only Capital One offers Chat.
- Support channels: only CrediMax offers Email.
Our verdict on each
Capital One
Capital One suits spenders who want cashback on everyday purchases with no annual cost while accepting card approval for shoppers with strong credit. You pay currency conversion fees of 0% and face APR of 34.9% if you carry a balance, so clearing in full each month matters most.
CrediMax
CrediMax is a Bahraini issuer built around talabat rewards, so it suits households and businesses that order food and groceries through the app and pay their balance down each month. Balance transfers get an intro period of 6 months under the Central Bank of Bahrain.
Score breakdown
| Area | Capital One | CrediMax |
|---|---|---|
| Cost | 9.2Cost reflects annual fee of $0 plus currency conversion fees of 0%. | Not confirmed |
| Offer | 9.4HigherOffer reflects balance transfer intro period of 18 and APR of 34.9%. | 9.2Annual fee BHD 0 on the talabat credit card, monthly fee BHD 0 on the prepaid card, cashback rewards. |
| Trust | 8.9Trust reflects licence FDIC cert 4297 held by Capital One, National Association. | 9.0Higher |
How they place
| Ranking | Capital One | CrediMax |
|---|---|---|
| Credit cards | 176 of 1020 | 150 of 1020 |
| Balance transfer cards | 14 of 35 | 8 of 35 |
| Cashback cards | 66 of 203 | 52 of 203 |
If neither fits
HSBC UK has balance transfer intro period at 17 to 36 months, against 18 months for Capital One and 6 months for CrediMax.
HSBC UK reviewWhat we checked
Capital One
- capitalone.com: 10 facts, checked September 29, 2026
- capitalone.co.uk: 4 facts, checked September 26, 2026
- banks.data.fdic.gov: 3 facts, checked September 28, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
CrediMax
- credimax.com.bh: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Capital One | CrediMax |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards |
| Audience | Not confirmed | Business, Student |
| Legal entity | Capital One, National Association | CrediMax B.S.C. |
| Headquarters | United States | Bahrain |
| Founded | 1985Lower | 1999 |
| Support channels | Phone, Chat, Help centre | Phone, Email, Help centre |
Debit cards
| Fact | Capital One | CrediMax |
|---|---|---|
| Monthly fee | $0 | BHD 0 |
| Card type | Debit | Prepaid |
| Card network | Not confirmed | Visa |
| Currencies | Not confirmed | 33 |
Where each stands against the rest
| Fact | Capital One | CrediMax | Median |
|---|---|---|---|
| APR | 34.9%highest quarter | Not confirmed | 19.39% |
| Currency conversion fee | 0%below the median | Not confirmed | 1% |
| Balance transfer intro period | 18 monthsabove the median | 6 monthslowest quarter | 15 months |
| Balance transfer fee | 3%at the median | Not confirmed | 3% |
| Cashback rate | 1.5%at the median | Not confirmed | 1.5% |
Median across 312 listed cards.
Pros and cons
Capital One
Pros
- Annual fee of $0 keeps yearly card costs at free while you hold the account.
- Currency conversion fees of 0% keep foreign purchases free of added conversion charges.
- Balance transfer intro period of 18 gives room to spread repayment of moved debt.
Cons
- APR of 34.9% makes carried balances costly, so full repayment matters for value.
- Balance transfer fee of 3% adds cost when you move debt despite the intro period of 18.
CrediMax
Pros
- The talabat credit card has an annual fee of BHD 0, and the prepaid card a monthly fee of BHD 0
- Cashback rewards tilt towards talabat orders, with a much smaller rebate on other spending, and the card adds a free talabat Pro subscription and free food and grocery deliveries
- Balance transfer offers run an intro period of 6 months, useful for clearing a balance on a set timetable
Cons
- The rewards rate leans on talabat orders, so spending elsewhere earns a much smaller rebate
- Support runs on phone, email and help centre, which does not include live chat or a community channel
- Multi-currency is not among its features (rewards), where rewards is the only entry
Who each suits
Capital One
Who it suits
- Shoppers who pay in full and want cashback with annual fee of $0 and currency conversion fees of 0%.
- Planners who want a balance transfer intro period of 18 to spread moved debt in a structured way.
Who should look elsewhere
- Carried balances: if you often revolve debt, Oney Préstamos may merit a look because Capital One APR of 34.9% is costly.
- Business money management: if you need invoicing and team controls, Qonto may fit better than a card of debit built around spending.
CrediMax
Who it suits
- Households and businesses that order food and groceries through talabat and want the spending rebated
- Business and student cardholders, the two audiences CrediMax lists for its cards
- Card users clearing an existing balance inside a short transfer window
Who should look elsewhere
- Card shoppers after a secured credit card rather than a rewards card: Chime Card (Secured Visa Credit Card) also has an annual fee of $0
- Readers who mainly want an account for spending abroad, since Wise is priced on an annual fee of £0
- Anyone shopping purely on the annual fee, since Varo Believe Secured Credit Card also charges $0
Current offers
CrediMax
Current offer
Bonus
talabat Credit Card welcome bonus: BD 30 talabat credit
Spend BD 300 in eligible transactions within 45 days of card issuance; government, utilities and education transactions excluded
Source, checked September 26, 2026
Free bet
OSN+ Standard subscription offer: 4 months of OSN+ Standard
Active CrediMax Mastercard Platinum, World or World Elite credit card; Bahrain resident aged 18+; new OSN+ Standard Plan customers who have not used another OSN+ offer in 12 months; redeem at osnplus.com/en-bh/redeem?campaign=credimax; valid 17 August 2026 to 17 February 2027
Source, checked September 26, 2026
Country by country
| Country | Capital One | CrediMax |
|---|---|---|
| Bahrain | No | Yes |
Questions about each
Capital One
Does Capital One charge an annual fee?+
What is the annual fee on Capital One? Annual fee is $0, which means fixed yearly card costs stay at free. You still need to manage APR of 34.9% and balance transfer fee of 3% when you carry or move balances.
What APR does Capital One charge?+
APR is 34.9%. That rate applies when you carry a balance beyond the payment due date. Paying in full each cycle helps you avoid interest and keeps the cashback value intact over time.
CrediMax
What does the CrediMax talabat credit card cost to keep?+
The talabat credit card has an annual fee of BHD 0, and a no annual fee model is the standard CrediMax approach. The prepaid Cardy Ex carries a monthly fee of BHD 0. Rewards are paid as cashback, with the heaviest rebates on talabat orders.
Is CrediMax regulated, and where is it based?+
The legal entity is CrediMax B.S.C., licensed by the Central Bank of Bahrain, and its head office is in Bahrain. Customer service is listed on phone, email and help centre, alongside online banking, mobile app and customer service around the clock.
Other options to compare
Other matchups
Capital One
CrediMax