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.
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:
- 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
- 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
- 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:
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 the likes of Rakuten, for example.
One of the best options of 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.
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, Capital One Venture Rewards Credit Card, and Capital One VentureOne Rewards Credit Card was independently collected by Upgraded Points and was not provided nor reviewed by the issuer.