Fourth Capital Visa® Max Cash Preferred
The Fourth Capital Visa® Max Cash Preferred from Fourth Capital earns up to 5% effective value on other in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Other
- Effective value
- 5%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Fourth Capital Visa Max Cash Preferred earn in each category?
Other is the strongest category at 5% effective value (5% back). That other rate ranks higher than about 87% of the 1,546 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Other is the strongest category at 5% effective value (5% back). That other rate ranks higher than about 87% of the 1,546 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 5% back | 5% Top category |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Fourth Capital Visa Max Cash Preferred reward caps and conditions?
The Fourth Capital Visa Max Cash Preferred has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 5% cash back on the first $2,000 combined eligible purchases each quarter on two chosen categories Capped at $2000 per quarter.
- Unlimited 2% cash back on eligible net purchases on one everyday category chosen
Who should get the Fourth Capital Visa Max Cash Preferred?
The Fourth Capital Visa Max Cash Preferred fits spenders who put meaningful volume in other and can earn 5% back. Best for spenders who put meaningful volume in other and can earn 5% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Fourth Capital Visa Max Cash Preferred fits spenders who put meaningful volume in other and can earn 5% back. Madeen ranks its other effective rate higher than about 87% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in other and can earn 5% back.
Foreign transaction fees make it weaker for international spend.
Best for other-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is other at about 5% effective (5% back).
- That other rate ranks higher than about 87% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $2 foreign transaction fees.
Does the Fourth Capital Visa Max Cash Preferred have an annual fee, and what's the welcome bonus?
The Fourth Capital Visa Max Cash Preferred has an annual fee of $0 and a foreign transaction fee of $2. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $2
What benefits come with the Fourth Capital Visa Max Cash Preferred?
The Fourth Capital Visa Max Cash Preferred includes Auto Rental Discounts, Concierge, ID Navigator Powered by NortonLifeLock in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Auto Rental Discounts
Alamo, Hertz and National
- Concierge
Complimentary 24/7/365 access to a wide range of personalized services, including entertainment planning, business services, gift arrangements, specialty services and travel information.
- ID Navigator Powered by NortonLifeLock
Provides tools so you can act quickly if your identity is threatened.
- Lost Luggage Reimbursement
Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.
- Return protection
Provides return protection on designated items purchased entirely with the card.
- Roadside Dispatch
Available only when traveling in the 50 United States and the District of Columbia. If your car breaks down on the road, just call and tell us where you are. We'll send someone to the rescue.
- Signature Fine Wine & Food
Complimentary Zagat Survey restaurant rating and reviews. Plus, a host of fine wine and food experiences.
- Signature Privileges
Provides cardmembers with special offers, opportunities and upgrades from participating merchants.
Common questions about the Fourth Capital Visa Max Cash Preferred
Does the Fourth Capital Visa Max Cash Preferred have an annual fee?
The Fourth Capital Visa Max Cash Preferred carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Fourth Capital Visa Max Cash Preferred?
Other is the strongest Madeen category for the Fourth Capital Visa Max Cash Preferred at about 5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Fourth Capital Visa Max Cash Preferred charge foreign transaction fees?
The Fourth Capital Visa Max Cash Preferred charges a foreign transaction fee of $2 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Fourth Capital Visa Max Cash Preferred?
Madeen's catalog lists a typical credit range of Good to Excellent for the Fourth Capital Visa Max Cash Preferred. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Fourth Capital Visa Max Cash Preferred?
Rewards on the Fourth Capital Visa Max Cash Preferred post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Fourth Capital Visa Max Cash Preferred?
To maximize the Fourth Capital Visa Max Cash Preferred, route other and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Fourth Capital Visa Max Cash Preferred compare to similar cards?
Compare the Fourth Capital Visa Max Cash Preferred against Fourth Capital Visa Everyday Rewards+ (4% on Dining, $0 fee); Fourth Capital Visa Travel Rewards+ (4% on Gas, $99 fee); Fourth Capital Visa Business Cash Preferred (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Fourth Capital Visa Max Cash Preferred This card | Other | 5% | $0 |
Fourth Capital | Dining | 4% | $0 |
Fourth Capital | Gas | 4% | $99 |
Fourth Capital | Dining | 3% | $0 |
Fourth Capital | Dining | 2% | $390 |
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