Discover · Discover

Annual fee

$0

Rewards

Cash back

Earn rates

• 5% Rotating quarterly bonus categories (activation required) — Page says "up to the quarterly maximum" but never states the dollar cap, so capUsd is left null.
• 5% Capital One Entertainment purchases — Stated only in the card's Application Terms disclosure (offer 40396), not on the marketing page.
• 5% Capital One Travel (hotels, vacation rentals and rental cars only) — Stated only in the card's Application Terms disclosure (offer 40396).

Purchase APR

17.49%–26.49% variable

Issuer rules

• My address is not in one of the following locations: the 50 United States, Washington, D.C., Puerto Rico or a U.S. military location.
• My address is a correctional institution.
• My monthly income (my disclosed total annual income divided by 12) doesn't exceed my monthly rent/mortgage payment by at least $425, or $215 if I am a student, assuming no asset information is provided.
• I am under 18 years of age or do not have a valid Social Security Number or Individual Taxpayer Identification Number.
• I have applied for a Capital One credit card 2 or more times in the last 30 days.
• I have a past due Capital One credit card account.
• I am over my credit line on a Capital One credit card.
• I have had a Capital One credit card that charged off within the past year.
• I have a non-discharged bankruptcy (one that is still unresolved).
• I have implemented a credit security freeze or credit lock with one or more of the credit bureaus, which prevents Capital One from accessing my credit report.

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