The Ultimate Guide To Using Capital One Offers [Earn Cash-back!]

When you do some online shopping, there are plenty of ways to save money on your purchase. Whether using coupons, shopping portals, or stacking offers, the final price in your cart could be even lower than what you see.

If you have a Capital One card, using Capital One Offers is a great way to save some money with just a few extra clicks.

Merchant offers from banks aren’t new — Amex Offers, Chase Offers, and Citi Merchant Offers have been around for a while, but now Capital One is offering their cardholders extra ways to earn cash-back.

Capital One Offers are a little quirky, but they can represent some significant savings.

Let’s take a look at this valuable card benefit, and how you can use it to save some serious cash on your next purchases.

What Are Capital One Offers?

Capital One Offers is a cash-back/statement credit program specifically for Capital One cardholders.

Similar to a shopping portal, cardholders can log into their account and search through available offers to earn a fixed amount or percentage of their online shopping trip back in the form of a statement credit.

These offers can be accessed via the Capital One website or mobile app.

This process is different compared to other credit card offers like Amex Offers and Citi Merchant Offers, where cardholders add offers to their account and then will earn statement credits whenever they make an eligible purchase either online or in-person. With Capital One Offers, if you don’t log into your account and click the offer before your online shopping trip, you will not trigger the offer and earn the cash-back.

Hot Tip: Capital One Offers, discounts that can be accessed through a Capital One card, are completely different from Capital One Shopping, which is a shopping portal available to anyone, with or without a Capital One card.

Types of Capital One Offers

Capital One Offers are quite diverse and should have a little bit of something for everyone, especially those who like to travel.

Unfortunately, as of writing, Capital One does not organize its offers into categories. And with hundreds of offers available at a time, searching through them can be a bit tedious.

Fortunately, there is a search feature that functions well and should bring up relevant options when searching with broad terms.

To get an idea of what Capital One Offers you might find, here is what populates under the following searches in a sample account:

Travel

Dining

Shopping

As you can see, there is plenty of variety when it comes to Capital One Offers.

Bottom Line: Despite not being organized into categories, it is possible to find relevant Capital One Offers via the search feature. 

Cards That Come With Capital One Offers

Although there is no official list, Capital One Offers are available for essentially all Capital One personal consumer credit cards.

Capital One business credit cards are not eligible for Capital One Offers.

Regardless of which type of rewards your card offers (cash-back or Capital One Miles), your Capital One Offer will be rewarded as a cash-back statement credit.

Here is a list of our favorite Capital One cards that come with Capital One Offers:

TOP PICK

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.99% - 28.99% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent (740-840)

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

• APR: Purchases: 19.99% - 28.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.99% - 28.99% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: Purchases: 19.99% - 28.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

LIMITED TIME OFFER

Capital One VentureOne Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Welcome Offer

LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening - that’s equal to $300 in travel.

$100 travel credit + 20,000 miles

UP's Offer Valuation*:

$460

Annual Fee

$0

APR

Purchases: 0% intro APR on purchases for 15 months; variable 18.99% - 28.99% thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent (670-850)

Why We Like This Card

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

Pros & Cons

Pros

• No annual fee
• No foreign transaction fees
• Ability to use transfer partners

Cons

• Weak earn rate at 1.25x miles per $1 spent on all purchases
• No luxury travel or elite benefits

Read Full Review

Card Highlights

• LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening – that’s equal to $300 in travel
• $0 annual fee and no foreign transaction fees
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.99% – 28.99% variable APR after that; balance transfer fee applies

Financial Snapshot

• APR: Purchases: 0% intro APR on purchases for 15 months; variable 18.99% - 28.99% thereafter
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

How To Use Capital One Offers

Capital One Offers are easy to find and activate.

If you are logged into your account, the main page will have a Credits for Shopping section with a few preview offers. Click on View All Offers to see everything that is available.

If you are using the Capital One mobile app, you will scroll to the bottom of the main page and follow the same steps.

Since Capital One Offers functions like a shopping portal, once you find an offer that you want to use, click on Save Now and a new browser tab will open to start your tracked shopping trip (make sure to click Continue to Merchant).

Once you complete your shopping trip, your order will be reported back to Capital One who will then issue a statement credit for the offer amount.

Hot Tip: Just a heads up — statement credits can take up to 3 billing statements to appear. 

Maximizing Capital One Offers

Unfortunately, there isn’t much you can do to further maximize or stack Capital One Offers.

Due to the shopping portal-like nature of Capital One Offers, you won’t be able to double-dip through sites like Rakuten, for example.

One of the best options for using a competitor’s program (like Chase Offers) is that it doesn’t matter how the total hits your card — as long as you meet the terms, you will activate an offer. That means in-person, online, with coupons, airline shopping portals — it’s all fair game. Not with Capital One.

Final Thoughts

Capital One Offers are a great way to save money on purchases made with your Capital One consumer card.

There are hundreds of offers available, which could represent big savings on everything from travel and dining to clothing and pharmacies.

Since you can’t stack deals with Capital One Offers, be sure to check your other options (like with CashBack Monitor) before assuming the offers in your account offer the most savings.

But, at the end of the day, this is a great (and free) benefit for Capital One cardholders.