What is Capital One Offers?
Capital One Offers is an online shopping platform that lets eligible cardholders earn rewards or statement credits when they shop exclusive deals with thousands of retailers. All it takes is a few steps to sign in, shop and earn.
What you’ll learn:
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Capital One Offers features thousands of retailers and exclusive deals on apparel, technology, travel and more.
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Customers can earn credit card rewards or statement credits by using Capital One Offers to shop online and in stores.
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Payouts are automatically applied to eligible accounts based on each merchant’s offer.
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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:
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Sign in: Access your eligible Capital One account online or through the Capital One Mobile app and browse thousands of exclusive offers.
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Shop: If you have more than one account, choose the one you’d like to receive your rewards. Then select an offer and follow the link to the merchant’s page to complete your purchase.
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Earn: You’ll typically receive your payout in about 45 days. Rewards payouts are typically issued as a statement credit, miles or cash back.
Does a payout count as a credit card payment?
A payout from Capital One Offers doesn’t apply to monthly credit card payments. So you’ll still need to make at least the minimum monthly payment before the due date to help keep your account in good standing.
What deals does Capital One Offers have?
Capital One Offers helps you find deals on the things you need, including apparel, technology, beauty products, travel and more. Offers vary over time, but you may be able to get deals at thousands of your favorite merchants, including:
- Adidas
- Booking.com
- Macy’s
- lululemon
- Walmart
- Lowe’s
- The Home Depot
- IHG
- Dell Technologies
- DIRECTV
- StubHub
- Ulta
- Vrbo
How can I learn more about each offer?
When you select an offer, you’ll be taken to a page with details about the:
- Merchant
- Purchase categories
- Offer rates
- Qualifications
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 shop online.
Can I use more than one offer?
Yes, if you’re interested in more than one offer, you can repeat the process to earn more rewards.
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 look at things you’ll need to do to help ensure your purchases qualify.
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How to qualify |
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How payouts are calculated |
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Is my information shared with merchants?
Whether information is shared with merchants depends on how you make your purchase through Capital One Offers:
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Online purchases: Your personal information isn’t shared with merchants.
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In-store purchases: It might be necessary to share certain information. This may include the last four digits of your credit card number, the transaction amount, and the fact that you activated an offer before making the purchase.
Capital One Offers FAQ
Here are frequently asked questions about Capital One Offers:
Can Capital One Offers be combined with coupons, other shopping portals or discount codes?
In some cases, Capital One Offers could be combined with other discounts. But checking the offer details may be 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.
Is Capital One Offers different from Capital One Shopping?
Yes, Capital One Offers is a rewards program that’s linked to eligible credit cardholders’ accounts. Capital One Shopping is a free browser extension that automatically tests online coupon codes, compares retailers for better prices and lets you know when prices drop.
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.
Key takeaways: 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 cardholder, you can sign in to your account to explore the latest deals. If not, you could compare Capital One credit cards and see if you’ll be approved with 100% certainty before you accept. It’s quick and easy, and won’t hurt your credit scores.
