All about Capital One Offers
Earn rewards or statement credits on everyday purchases and beyond with the Offers portal exclusively for Capital One customers.
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 exclusively to Capital One customers. And all it takes is a few steps to sign in, shop and earn.
What you’ll learn:
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With Capital One Offers, customers can earn credit card rewards or statement credits by shopping online and, in some cases, in store.
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Offers are available for thousands of your favorite retailers and feature exclusive deals on apparel, technology, travel and more.
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Payouts are automatically applied to eligible accounts based on each merchant’s offer rate.
- To access Capital One Offers, sign in to your Capital One account or use the Capital One Mobile app.
How does Capital One Offers work?
Here’s how to use Capital One Offers:
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Sign in to your Capital One account online or through the Capital One Mobile app to browse thousands of exclusive offers.
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If you have more than one account, select the account where your payout should go.
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Select an offer and follow the link to the merchant’s page.
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Complete your purchase.
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Receive your payout.
If you’re interested in more than one offer, simply repeat the process to earn more rewards or statement credits.
When will I get my payout?
Typically, you’ll receive your payout within 45 days. But it may take up to three billing cycles.
Does my payout count as a credit card payment?
Payouts don’t count as credit card payments. To keep your account in good standing and avoid penalties, you’ll still need to make at least the minimum payment each month.
What kinds of deals does Capital One Offers have?
Capital One Offers helps you find amazing deals on everything, from apparel to technology, beauty, travel and more. You can earn big at thousands of your favorite merchants, including:
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adidas
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Macy’s
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lululemon
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Walmart
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Lowe’s
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The Home Depot
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IHG
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Dell Technologies
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StubHub
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Ulta
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Vrbo
Where can I learn more details 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 here too. You’ll also find a link to the merchant’s site, where you can complete an online purchase to receive a payout.
What online purchases qualify for a payout?
Generally, a qualifying purchase has to be:
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Made on the merchant’s website in the same browser session opened from the Capital One Offers tile.
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Made within 24 hours of opening the browser session from the offers tile.
What in-store purchases qualify for a payout?
Certain merchants may provide in-store offers. For an in-store offer, in-store purchases need to be completed before the offer’s expiration date. And you need to activate the offer before making your purchase. In-store purchases also need to be made with the Capital One card that was selected when you activated the offer.
Capital One Offers FAQ
Here are some frequently asked questions about Capital One Offers.
Where can I find Capital One Offers?
You can find Capital One Offers by signing into your Capital One account online or through the Capital One Mobile app.
Do in-store pickups qualify as eligible purchases?
In-store pickups may not be eligible for payouts through Capital One Offers. Check the offer details to learn more.
How is my Capital One Offers payout for online purchases calculated?
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.
How is my Capital One Offers payout for in-store purchases calculated?
The payout is calculated according to the offer’s specifications and is 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.
Key takeaways: Capital One Offers in a nutshell
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.
