All about Capital One Offers
Capital One Offers lets customers earn credit card rewards or statement credits by shopping at thousands of retailers. It’s available to certain Capital One cardholders in good standing. All it takes is a few steps to sign in, shop and earn.
What you’ll learn:
-
With Capital One Offers, customers can earn credit card rewards or statement credits by shopping online and in stores.
-
Offers are available for thousands of retailers and feature exclusive deals on apparel, technology, travel and more.
-
Payouts are automatically applied to eligible accounts based on each merchant’s offer rate.
- To access Capital One Offers, sign in online or use the Capital One Mobile app.
How does Capital One Offers work?
You can follow these steps to use Capital One Offers:
-
Sign in: Access your eligible Capital One account online or through the Capital One Mobile app and browse thousands of exclusive offers.
-
Shop: If you have more than one account, select the account where your rewards should go. Then select an offer and follow the link to the merchant’s page to complete your purchase.
- Earn: You’ll typically receive your payout in about 45 days. Rewards payouts are typically issued as a statement credit, miles or cash back.
If you’re interested in more than one offer, you can repeat the process to earn more rewards.
Does a payout count as a credit card payment?
Capital One Offers don’t apply to monthly credit card payments. So you still need to make at least the minimum monthly payment before the due date to keep your account in good standing.
What deals does Capital One Offers have?
Capital One Offers helps you find amazing deals on the items you need, from apparel to technology, beauty, travel and more. Available offers vary over time, but you may be able to earn big at thousands of your favorite merchants, including:
-
adidas
-
Macy’s
-
lululemon
-
Walmart
-
Lowe’s
-
The Home Depot
-
IHG
-
Dell Technologies
-
StubHub
-
Ulta
-
Vrbo
How can I learn more about each offer?
When you select an offer, you’ll be taken to a page that tells you all about it. That includes details about the merchant, purchase categories, offer rates, qualifications and more. If in-store offers are available, you can activate them there. You’ll also find a link to the merchant’s site, where you can complete a qualifying online purchase to receive a payout.
What purchases qualify for a payout?
Depending on the offer, online and in-store purchases could qualify for Capital One Offers rewards. Here’s a quick guide about some of the things you need to do to help ensure your purchases qualify.
| Online | In-store | |
| How to qualify |
|
|
| How payouts are calculated |
|
|
Is my information shared with merchants?
For online purchases made through Capital One Offers, your personal information isn’t shared with merchants.
For in-store purchases, it might be necessary to share certain information. This may include the last four digits of your credit card number, the location of the transaction, the transaction amount and the fact that you activated an offer before making the purchase.
Capital One Offers FAQ
Here are some frequently asked questions about Capital One Offers:
Can Capital One Offers be combined with coupons, other shopping portals or discount codes?
Checking offer details is the best way to know what makes a purchase eligible. Sometimes pickup purchases may not qualify. And it’s important to remember that rewards payouts could be limited to the eligible purchases. That means it may not apply to taxes, shipping and other fees.
For example, say you see an offer to earn up to 4% at a department store. After reaching the site through the Capital One Offers tile, you find a new jacket for $60. After adding sales tax and shipping fees, your total comes to $68, and you complete the purchase. The payout would only apply to the $60, not the additional costs.
Which Capital One cards are eligible for the Offers program?
You can sign in to your Capital One account online or through the mobile app to check whether you have an eligible Capital One card.
What if I return or cancel the item I purchased?
Returning or canceling any portion of your purchase might make the entire purchase ineligible for a payout.
Key takeaways: Capital One Offers
Capital One Offers makes it easy to earn rewards or statement credits at thousands of retailers. If you’re already a Capital One cardholder, you can sign in to your account to explore the latest deals.
If you’re not a Capital One customer yet, compare Capital One credit cards to learn more about the benefits of being a cardholder. Or check whether you’re pre-approved. Pre-approval is quick and easy and won’t hurt your credit scores. And it gets you one step closer to exclusive deals from Capital One Offers.
