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Cash back
Capital One migration reported Jul 2026
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Rotating categories (quarterly) | 5% | $1,500/quarter, then 1% | Must activate. Q4 2026 reported as restaurants, entertainment and utilities |
| Travel — Hotels / Vacation rentals / Cars (Capital One Travel) | 5% | — | New post-migration row, reported Jul 2026 — verify on discover.com |
| Capital One Entertainment | 5% | — | New post-migration row — verify |
$200.00
Cash back
$200 statement credit after $500 in purchases in the first 3 months (added Oct 20, 2026), plus the long-standing first-year Cashback Match.
Plus Unlimited Cashback Match: Discover matches all cash back earned in the first year (no cap; the $200 credit itself is not matched)
Separate conditions may apply. This component is not automatically added to the estimate below.Uses the reported cash amount at face value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Discover generally limits you to one new Discover card per year
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Est. value counts the $200 only; the match value depends on first-year spend.
Offer type, as listed: Public — fixed bonus + Cashback Match