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

Updated: December 4, 2023, 3:56am CST

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

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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

Booking.com: 7% back
Briggs & Riley 5% back
Choice Hotels: 6% back
Hertz: 8% back
Hotels.com: 4% back
Marriott Bonvoy: 4% back
Priceline: Up to 6% back
Travelocity: Up to 4% back
Travelpro: 5% back
Vrbo: 5% back

Dining

Buffalo Wild Wings: 8% back
Costco: Up to $20 back
DoorDash: $6 back
Hello Fresh: $52 back
Instacart: $12 back
Wine.com: Up to 4% back

Shopping

Apple: 3% back
Bed Bath & Beyond: 7% back
CVS: Up to 8% back
Disney+: Up to $12.50 back
Gap: 5% back
Giftcards.com: 6% back
Lululemon: 5% back
Nike: Up to 5% back
Walmart: 2% back

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

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating

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 OfferEarn 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 Bonus Valuation*:
$1,350

Annual Fee

$395

APR

19.99% - 29.99% (Variable)

Credit Recommended

Excellent (740-840)

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

10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights purchased through Capital One Travel
2x miles per $1 on all other purchases
$300 annual travel credit on bookings made through Capital One Travel
Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
10,000 bonus miles awarded on your account anniversary each year
Global Entry or TSA PreCheck credit
Add authorized users for no additional annual fee (rates & fees)
No foreign transaction fees (rates & fees)

Cons

$395 annual fee (rates & fees)
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

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 booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
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
Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
Receive up to a $100 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

APR: 19.99% - 29.99% (Variable)
Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating

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 OfferEnjoy 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.
75,000 miles

UP's Bonus Valuation*:
$1,350

Annual Fee

$95

APR

19.99% - 29.99% (Variable)

Credit Recommended

Good to Excellent Credit (670-850)

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

5x miles per $1 on hotels and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
Global Entry or TSA PreCheck application fee credit
No foreign transaction fees (rates & fees)
Access to Capital One transfer partners

Cons

$95 annual fee (rates & fees)
Limited elite benefits

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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
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 $100 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
Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

APR: 19.99% - 29.99% (Variable)
Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

Terms Apply / Rates & Fees

Capital One VentureOne Rewards Credit Card

U.P. Rating

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 OfferEarn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.
20,000 miles

UP's Bonus Valuation*:
$360

Annual Fee

APR

19.99% - 29.99% (Variable),0% intro on purchases for 15 months

Credit Recommended

Good to Excellent (670-850)

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

No annual fee (rates & fees)
No foreign transaction fees (rates & fees)
Ability to use transfer partners
Fraud coverage

Cons

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

$0 annual fee and no foreign transaction fees
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
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; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Financial Snapshot

APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

How To Use Capital One Offers

Capital One Shopping Offers — Image Credit: Capital One

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).

Capital One Offers Hertz — Image Credit: Capital One

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.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One VentureOne Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Featured Image Credit: Upgraded Points

Frequently Asked Questions

What are Capital One Offers?

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

Are Capital One Offers any good?

Yes, Capital One has hundreds of cash-back offers available at any given time that can add up to big savings.

How do I use Capital One Offers?

Using Capital One Offers is easy. Just activate your offer in your account, complete your shopping trip, and then wait for your statement credit.

Which Capital One cards have Capital One Offers?

Most consumer personal credit cards from Capital One come with Capital One Offers. Capital One business cards are not eligible.

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About Chris Hassan

Chris holds a B.S. in Hospitality and Tourism Management and managed social media for all Marriott properties in South America, making him a perfect fit for UP and its social media channels. He has a passion for making content catered toward family travelers.

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