This Quarter (Q4 2026)
Best Categories for This Card
Dining & Restaurants
This quarter (Q4 2026) · Dine-in, takeout, and delivery · Activation required · $1,500 cap shared across all Q4 categories
Internet & Cable
This quarter (Q4 2026) · Utilities (electricity, water, internet, phone) · Activation required · $1,500 cap shared across all Q4 categories
Utilities
This quarter (Q4 2026) · Utilities (electricity, water, internet, phone) · Activation required · $1,500 cap shared across all Q4 categories
Phone & Wireless
This quarter (Q4 2026) · Utilities (electricity, water, internet, phone) · Activation required · $1,500 cap shared across all Q4 categories
Entertainment
This quarter (Q4 2026) · New category: movie tickets, concerts, sports, zoos/aquariums, bowling, etc. · Activation required · $1,500 cap shared across all Q4 categories
All Other Purchases
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Dining & Restaurants | 5x | Rotating (Quarterly) | $1,500 cap | 5.00% |
| Internet & Cable | 5x | Rotating (Quarterly) | $1,500 cap | 5.00% |
| Utilities | 5x | Rotating (Quarterly) | $1,500 cap | 5.00% |
| Phone & Wireless | 5x | Rotating (Quarterly) | $1,500 cap | 5.00% |
| Entertainment | 5x | Rotating (Quarterly) | $1,500 cap | 5.00% |
Everywhere else | 1x | Ongoing | — | 1.00% |
Card details
- Network
- Discover
- Foreign transaction fee
- None
- Credit usually needed
- Building / no credit history
- Intro APR
- 0% intro APR for 6 months on purchases
- Good to know
- For college students — no credit score required to apply.
- Last verified
- Oct 12, 2026
What does a “cap” mean?
Some bonuses only apply up to a spending limit — say 6% on the first $6,000 a year at U.S. supermarkets. Past the cap, the card earns its base rate (often 1%). Log your spend in your wallet and our answers switch to your next best card once a cap is used up.
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
Fees, benefits, and current offers change frequently. Visit Discover’s official page for the most up-to-date terms straight from the issuer.
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