All about Capital One Offers

Capital One Offers is an online portal that 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 to your eligible Capital One account or use the Capital One Mobile app.

You can follow these steps to use Capital One Offers:

1. Sign in: Access your eligible Capital One account online or through the Capital One Mobile app and browse thousands of exclusive offers.* 

2. Shop: If you have more than one account, select the account where your payout should go. Then select an offer and follow the link to the merchant’s page to complete your purchase.

3. Earn: You’ll typically receive your payout in about 45 days.

If you’re interested in more than one offer, you can repeat the process to earn more rewards or statement credits.

A Capital One Offers payout doesn’t count as a credit card payment. The payout is typically issued as a statement credit, miles or a cash back reward. You’ll still need to make at least the minimum monthly payment to keep your account in good standing.

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

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, too. You’ll also find a link to the merchant’s site, where you can complete a qualifying online purchase to receive a payout.

Generally, a qualifying purchase must meet all of the merchant’s specific conditions and must be made:

• On the merchant’s website in the same browser session opened from the Capital One Offers tile. 

• Within 24 hours of opening the browser session from the offers tile.

Certain merchants may provide in-store offers. For an in-store offer, you must:

• Meet all of the merchant’s specific conditions.

• Activate the offer before making your purchase.

• Make in-store purchases with the Capital One card that was selected when you activated the offer.

• Complete in-store purchases before the offer’s expiration date.

How your offer is calculated depends on whether you receive your payout online or in-store.

Payouts for online purchases are calculated based on the stated offer and eligible purchase amount. This doesn’t include taxes, shipping, credits, additional fees and the costs of third-party items, such as gift-wrapping, packaging, insurance or warranties.

Here’s an example: Say you see an offer to earn up to 4% at Macy’s. 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.

In-store payouts are calculated according to the offer’s specifications and are based on the total eligible purchase amount. This may include taxes, shipping, credits and other fees. There may also be a maximum amount that can be earned for an offer. Check the individual offer details for more information.

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.

Here are some frequently asked questions about Capital One Offers:

Capital One Offers makes it easy to earn rewards or statement credits at thousands of retailers. If you’re a Capital One customer, you can sign in to your account to explore the latest deals.

If you’re not a Capital One customer, you can compare credit cards and learn more about all the benefits of being a cardholder. Or see if 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 accessing exclusive deals from Capital One Offers.