How to Use Your Rewards to Shop Online With PayPal

PayPal Pay with Rewards lets you redeem your Capital One cash back or miles to make purchases at millions of places online


Online shopping is as popular as ever. And Capital One is constantly looking for ways to make it easier for you—whether you’re on the couch or on the go.

With that in mind, you can now use rewards you’ve earned with Capital One cards like Quicksilver, Venture and Savor on eligible purchases at millions of online stores. All you have to do is check out using PayPal Pay with Rewards. Keep reading to learn more about how the program works and how to get started.1

How Do I Connect My Capital One Card to PayPal?

You can add your Capital One rewards card to your PayPal account in just a few steps:

  1. Log in to PayPal and go to your Wallet.
  2. Click Link a card or bank, then select Link a debit or credit card.
  3. Enter your eligible card information, then tap Link Card.

Once your card is added, you’ll be able to see your available rewards balance among your payment methods. So each time you check out with PayPal, you can use your available rewards.

What If My Capital One Rewards Card Is Already Linked to PayPal?

Good news—if your card is already connected to PayPal, there’s nothing else you need to do. Simply apply your rewards on eligible purchases when you check out. 

How Do I Redeem My Rewards When Shopping Online?

It takes just a few steps to pay using your rewards with PayPal. And you can do it at millions of online retailers including Target®, Apple® and The Home Depot®: 

  1. Shop online at any participating retailer.
  2. When you’re ready to pay, choose PayPal Checkout and select your Capital One rewards card as your payment method. 
  3. Choose Use Capital One Rewards

Apply as many of your rewards as you want. If you don’t have enough to cover your purchase, you can pay for the rest using your Capital One credit card. And that will earn rewards you can put toward your next purchase.

Benefits of Using PayPal

In addition to all the benefits and security features Capital One cards provide, there are perks to using PayPal as well:

  • Check out securely. Your full credit card number won’t be shared with online merchants.
  • Get what you need fast. All you need to get started is your username and password—no need to enter your billing or shipping details.
  • Earn great rewards. You’ll continue to enjoy all your Capital One benefits when you shop with PayPal.2

Use Your Rewards Your Way

Ready to start cashing in your Capital One rewards on just about anything? Get started with PayPal. From small businesses to national retailers, there are millions of options—and millions of ways to reward yourself.


1Once enrolled in PayPal Pay with Rewards, you will see your available rewards balance with an option to apply your rewards at checkout, where available. You may unenroll rewards from your PayPal Wallet. Pay with Rewards is available for eligible transactions. Terms apply. Pay with Rewards may not be available for all items or at all merchants. Item eligibility is at the sole discretion of the retailer(s), and merchant eligibility is at the sole discretion of PayPal.

2Some Capital One cards offer additional, enhanced rewards based on how merchants process the transaction (e.g., increased rewards on certain categories). When you make a purchase through PayPal, other third-party payment accounts, mobile or wireless card readers, mobile or digital wallets or similar technology, you may not receive a higher percentage reward, depending on how the technology is set up to process the purchase.

PayPal Pay with Rewards is available to eligible Venture, VentureOne, Quicksilver, QuicksilverOne, Savor, SavorOne, Spark Miles, Spark Miles Select, Spark Cash, Spark Cash Select, Spark Classic, and Journey Student account holders with accounts open and in good standing. Visit www.paypal.com/capitalone for additional details.

By clicking on the Learn More or Terms apply links above, you will be taken to a site that is maintained by PayPal. 

Capital One rewards may be redeemed to pay for all or a portion of eligible purchases. Your Capital One rewards balance will be reduced at the time the order is placed, not when the order is shipped.

PayPal.com and the PayPal logo are trademarks of PayPal Holdings, Inc., or its affiliates. PayPal terms and conditions apply.

Capital One does not provide, endorse or guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Capital One and are solely responsible for their products and services. All trademarks are the property of their respective owners.

Learn more about Capital One’s response to COVID-19 and resources available to customers. For information about COVID-19, head over to the Centers for Disease Control and Prevention

Government and private relief efforts vary by location and may have changed since this article was published. Consult a financial adviser or the relevant government agencies and private lenders for the most current information.

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

Redeem Your Rewards With PayPal

Use your Capital One rewards to make purchases at millions of online retailers.

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