The deal
Spend $500 on purchases within the first 3 months from account opening
The walkthrough
- 01 Apply on Capital One's site while the $250 limited-time offer is live (good-to-excellent credit, roughly 670+).
- 02 Put at least $500 of normal spending on the card within 3 months of opening.
- 03 Keep purchases in the bonus categories — dining, groceries, entertainment, streaming — to also bank 3% along the way.
- 04 Wait for the one-time $250 cash bonus to post, then redeem rewards anytime; they don't expire for the life of the account.
What to watch for
- ! The $250 amount is a limited-time bump (live since June 2026); it may revert to $200 once the promo ends, so don't sit on it.
- ! Grocery 'superstores' like Walmart and Target are excluded from the 3% grocery rate.
- ! Capital One usually pulls all three credit bureaus, so expect a temporary score dip across the board.
Editorial note
Offers change frequently. BonusPrimer verifies every bonus monthly, but before you apply, confirm the current terms directly with the issuer. We are not a bank and do not decide approvals. Our methodology →