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Points Pulse for October 19, 2026: Capital One's new card, Visa's fee drops for small businesses, and Porter's big birthday giveaway. Oct 19, 2026 Capital One has a flashy new cash back card, Visa is lowering its interchange fees, and Porter celebrates its birthday with a major points giveaway. Lead Writer & Content Strategist Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own. In this week's edition of NerdWallet Canada's Points Pulse: Capital One launches a contender for the best cash back card in Canada. Just when you thought Capital One was all about entry-level credit cards, they've burst on to the scene with a World Elite Mastercard that's instantly a contender for one of the best cash-back cards in the country. The Capital One Quicksilver World Elite Mastercard has no annual fee and offers 3% cash back on gas and groceries with a 1% base earn rate. The big story here is that, unlike many popular cash-back credit cards, this card has no limits on how much you can earn. Here's the part that's actually wild: the welcome bonus is just as exciting in that you'll effectively get an unlimited 6% back on groceries and gas, as well as 2% everywhere else. Spend $500 per month on gas and groceries, and you'll get $360 back instead of $180. Other exciting features include a 0% foreign exchange fee and some travel insurance coverage, although it lacks travel emergency medical insurance. For those who don't meet the card's $80,000 (individual) or $150,000 (household) income requirement, there's also the Capital One Quicksilver World Mastercard. It offers the same cash-back rates, first-year match and no foreign exchange fees, with a lower income requirement of $50,000 individually or $80,000 per household. Its purchase interest rate is higher, ranging from 21.9% to 29.9%. Nerdy takeaway: Get this card now and take it grocery shopping. Not only can you get 6% cash back on groceries for the first year, its Mastercard badge makes it an option at Loblaws and its affiliates. Just keep in mind that Costco and Walmart don't count as grocery stores where Capital One is concerned, so you'll have to settle for the base earn rate at those retailers. Visa lowers interchange fees for small businesses - will this bring costs down? On October 24, 2026, Visa will expand its lower interchange rates to qualifying small businesses with up to $750,000 in annual Visa sales (up from $300,000). Rates will also fall for businesses already eligible for the program. Of course, it's not all good news - new credit card processing fees are in the cards. A new 1.8-cent USD fee is coming on all domestic transactions in April 2027. Nerdy takeaway: Don't expect lower prices across the board. How much businesses save depends on whether their payment processors pass along the lower interchange costs. Whether shoppers see any savings is another question. We have seen businesses pocket the difference on things like tax cuts, so don't get too excited, and that's not even counting the 1.8-cent transaction fee that's on the horizon. Porter giving away 20,000 points to celebrate 20 years in Canada. Porter is celebrating its 20th birthday and instead of a free meal at Denny's, they're celebrating by giving away 20,000 VIPorter points every day through November 3. Canadian VIPorter members who have flown with Porter or redeemed points between October 1, 2025 and November 2, 2026 are automatically entered to win. Non-members can also join VIPorter and can submit a retroactive flight claim before 10 a.m. ET on November 3 to qualify. We love contests where we don't have to do anything to enter, and for VIPorter members, this may be a nice surprise to wake up to in the next couple weeks. If you want to build your VIPorter points bank for the future, BMO has two VIPorter credit cards available, a World Elite version with travel insurance and round-trip companion pass, as well as the lower-fee BMO VIPorter Mastercard. | Card | NerdWallet rating | Intro offer | Rewards rate | Apply Now | | BMO VIPorter World Elite(R)* Mastercard(R)* | APPLY NOW on BMO's website | | / | 4.9/5 | 70,000 Points + Round-Trip Companion Pass | 1x-3x Points | | BMO VIPorter Mastercard(R)* | APPLY NOW on BMO's website | | / | 3.6/5 | 40,000 Points | 0.5x-2x Points | There's also a no-purchase necessary mail-in entry method for those who don't want to make an account. All it requires is a hand-written 50-word essay that details why you love flying with Porter (this is not a joke: you can read the official rules online). This is to comply with Canadian sweepstakes law. And if you were looking forward to avoiding math, we're sorry to announce you'll also need to solve a BEDMAS math problem to claim the prize. It turns out that our teachers were right in saying that these skills would be important in our futures. Nerdy takeaway: If you were already planning to take a quick Porter flight somewhere between now and the contest closing date, you could still be entered to win. Doesn't mean you should drop everything for a single entry in a contest that thousands of people would enter anyway, but it sure beats writing a handwritten essay. Previous issues: DIVE EVEN DEEPER

Capital One Financial Corporation $COF stock: mather Group LLC. increases stake. Mather Group LLC. raised its holdings in Capital One Financial Corporation (NYSE:COF) by 77.5% in the third quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The firm owned 9,006 shares of the financial services provider's stock after purchasing an additional 3,932 shares during the quarter. Mather Group LLC.'s holdings in Capital One Financial were worth $1,739,000 as of its most recent filing with the Securities and Exchange Commission (SEC). Several other large investors have also recently made changes to their positions in COF. State Street Corp grew its position in Capital One Financial by 107.9% during the second quarter. State Street Corp now owns 57,278,732 shares of the financial services provider's stock valued at $11,491,259,000 after buying an additional 29,724,829 shares during the period. BlackRock Inc. increased its holdings in Capital One Financial by 0.5% during the second quarter. BlackRock Inc. now owns 51,054,869 shares of the financial services provider's stock worth $10,242,628,000 after buying an additional 236,643 shares during the last quarter. Bank of America Corp DE bought a new stake in Capital One Financial in the second quarter worth about $1,435,311,000. Wellington Management Group LLP raised its position in Capital One Financial by 36.2% in the second quarter. Wellington Management Group LLP now owns 7,108,112 shares of the financial services provider's stock worth $1,426,029,000 after acquiring an additional 1,887,497 shares during the period. Finally, Bank of New York Mellon Corp raised its position in Capital One Financial by 3.5% in the second quarter. Bank of New York Mellon Corp now owns 5,621,240 shares of the financial services provider's stock worth $1,127,733,000 after acquiring an additional 187,532 shares during the period. 89.84% of the stock is owned by hedge funds and other institutional investors. Key headlines impacting Capital One Financial. Here are the key news stories impacting Capital One Financial this week: * Analysts remain bullish on Capital One as a leading financial-stock pick, supporting investor confidence in the company's long-term growth prospects. * Capital One and the Capital One Foundation announced 10 finalists for a $25 million Scaling Pathways to Homeownership initiative. The program could strengthen the company's community profile and support its broader $265 billion Community Benefits Plan. * Capital One is viewed as a value stock ahead of earnings, with investors potentially attracted by its relatively modest valuation and expectations for possible earnings outperformance. * Investors are preparing for Capital One's October 20 third-quarter report. Forecasts call for revenue growth but potentially lower year-over-year earnings, making credit losses, loan demand, expenses and card performance key areas to watch. * The pending Discover acquisition remains a major valuation driver. Analysts are balancing potential strategic benefits against integration and execution risks in a more challenging macroeconomic environment. * Weak consumer-loan demand, higher provisions for credit losses and rising expenses could pressure third-quarter profit, despite continued strength in credit-card operations. * A valuation update reduced fair value to approximately $252.27 from $258.27, reflecting caution around the Discover transaction, earnings outlook and economic conditions. Capital One is also facing fresh OCC scrutiny of customer-risk policies, adding regulatory uncertainty. Wall Street analysts forecast growth. A number of research analysts have recently weighed in on the stock. Piper Sandler increased their target price on shares of Capital One Financial from $254.00 to $260.00 and gave the company an "overweight" rating in a research report on Monday, September 28th. Bank of America lowered their price target on shares of Capital One Financial from $234.00 to $231.00 and set a "buy" rating on the stock in a report on Thursday, July 9th. Barclays dropped their price objective on Capital One Financial from $240.00 to $237.00 and set an "overweight" rating on the stock in a research note on Monday, October 5th. Wolfe Research upped their price objective on Capital One Financial from $255.00 to $275.00 and gave the company an "outperform" rating in a research note on Tuesday, August 25th. Finally, Morgan Stanley reduced their price objective on Capital One Financial from $273.00 to $267.00 and set an "overweight" rating for the company in a report on Monday. Twenty investment analysts have rated the stock with a Buy rating and five have assigned a Hold rating to the stock. According to MarketBeat, the company presently has a consensus rating of "Moderate Buy" and an average price target of $255.04. Capital One Financial stock performance. Shares of NYSE:COF traded up $2.85 during midday trading on Friday, reaching $201.72. 4,747,796 shares of the company traded hands, compared to its average volume of 3,837,061. The firm's fifty day moving average price is $208.08 and its two-hundred day moving average price is $200.23. The firm has a market capitalization of $123.75 billion, a price-to-earnings ratio of 12.48, a price-to-earnings-growth ratio of 0.96 and a beta of 1.04. The company has a quick ratio of 1.02, a current ratio of 1.02 and a debt-to-equity ratio of 0.39. Capital One Financial Corporation has a 12 month low of $174.24 and a 12 month high of $259.64. Capital One Financial (NYSE:COF - Get Free Report) last issued its earnings results on Tuesday, July 21st. The financial services provider reported $5.81 EPS for the quarter, topping the consensus estimate of $4.79 by $1.02. The business had revenue of $15.83 billion during the quarter, compared to the consensus estimate of $15.76 billion. Capital One Financial had a return on equity of 11.28% and a net margin of 13.37%. The firm's revenue was up 26.9% compared to the same quarter last year. During the same quarter last year, the company earned $5.48 EPS. On average, equities analysts expect that Capital One Financial Corporation will post 20.36 earnings per share for the current year. Capital One Financial dividend announcement. The company also recently declared a quarterly dividend, which was paid on Tuesday, September 1st. Stockholders of record on Monday, August 17th were issued a $0.80 dividend. This represents a $3.20 dividend on an annualized basis and a dividend yield of 1.6%. The ex-dividend date of this dividend was Monday, August 17th. Capital One Financial's dividend payout ratio is presently 19.80%. Insider transactions at Capital One Financial. In related news, insider Michael Zamsky sold 5,473 shares of the company's stock in a transaction that occurred on Monday, August 10th. The shares were sold at an average price of $218.02, for a total transaction of $1,193,223.46. Following the sale, the insider owned 27,992 shares of the company's stock, valued at approximately $6,102,815.84. This represents a 16.35% decrease in their position. The transaction was disclosed in a legal filing with the SEC, which is accessible through this hyperlink. Also, General Counsel Matthew W. Cooper sold 3,500 shares of the company's stock in a transaction that occurred on Tuesday, October 6th. The stock was sold at an average price of $196.22, for a total transaction of $686,770.00. Following the sale, the general counsel directly owned 79,694 shares in the company, valued at $15,637,556.68. This trade represents a 4.21% decrease in their position. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. In the last 90 days, insiders sold 33,850 shares of company stock valued at $7,167,152. Company insiders own 0.78% of the company's stock. Capital One Financial company profile. Capital One Financial Corp. is a diversified financial services company headquartered in McLean, Virginia. Founded in 1994, the company provides credit cards, consumer banking products, auto financing and commercial banking services through its Capital One brand. Capital One offers credit cards for consumers and businesses, checking and savings accounts, certificates of deposit, personal loans and auto loans. Its commercial banking operations serve businesses, institutions and commercial real estate clients with lending, deposit, treasury management and other financial services. Capital One primarily serves customers in the United States, with additional operations in Canada and the United Kingdom. Want to see what other hedge funds are holding COF? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Capital One Financial Corporation (NYSE:COF - Free Report). 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CFPB targets debanking practices after OCC report. President Donald Trump issued an executive order in August 2025 to deter debanking, but a recent report from the Office of the Comptroller of the Currency (OCC) found that the nine largest national banks maintained debanking policies. Now the US Consumer Financial Protection Bureau (CFPB) is taking action against those institutions in one of the few actions it has taken since the start of the current Trump administration. The CFPB announced a new initiative Wednesday to investigate debanking activities. The bureau says it will determine whether the nine banks named in the OCC report - JPMorgan Chase Bank, Bank of America, Citibank, Wells Fargo Bank, U.S. Bank, Capital One, PNC Bank, TD Bank, and BMO Bank - and other institutions violated federal consumer financial laws, and it will take enforcement action if the investigation establishes grounds to do so.