How this card earns
- 5 percent cash back:
- Rotating categoriesOctober to December
- Dining, Entertainment and UtilitiesOn the first $1,500 spent each quarter. Activate by December 31, 2026.
- 1 percent cash back:
Everything else
Hotels, Rental cars, Activities and Capital One Travel
5% cash back on eligible Capital One Travel hotel, rental-car and activity bookings after account migration; new applicants qualify immediately.
Entertainment and Capital One Entertainment
5% after the account migrates to Capital One; new applicants qualify immediately.
Protections and other benefits
3 benefits
- Fraud LiabilityProtects against unauthorized purchases, subject to investigation and verification.
- Card LockLock or unlock the card. Some activity, including recurring or exempted transactions, may continue.
- Instant Virtual CardEligible cardholders can receive a virtual card before the physical card arrives.
Keep all your cards in one place.
The cards that do have credits get lined up by the day they end.
- Sources
- thepointsguy.com, discover.com
- Last checked
- October 7, 2026
- Foreign transaction fee
- None
Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced