The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Guides
Complete guide to saving money with Capital One Offers
Ryan is a former TPG credit cards writer who has been around points and miles for several years and has published content at Miles to Memories, AwardWallet and The Points Guy. His wife joins him on many of his trips, and they enjoy snowboarding, diving, and seeing animals in the wild. When not traveling, Ryan is probably answering questions from his family about how he travels so much and whether this points & miles stuff is illegal.
August 17, 2024 • 9 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
Related stories
Quick summary
Capital One Offers is an online platform providing statement credits for eligible purchases made with select consumer credit cards.
The platform functions similarly to a shopping portal, requiring users to activate offers and complete purchases through specific links.
Offers are available across a wide range of merchants, but cannot be combined with other shopping portals, coupons or discount codes.
Credits may take up to three billing cycles to post and are only available to U.S. personal cardholders.
What to consider
Offers must be activated before making a purchase and require using the provided link without altering the URL.
Each offer has unique terms, including potential single-use limits, exclusions for gift cards or trial memberships and variable posting timelines.
Statement credits may be applied to any eligible card account in good standing, not necessarily the one used for the transaction.
What you'll miss from the article
A detailed walkthrough of navigating the platform, maximizing value and understanding key limitations when using these merchant offers.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
There are many ways to save money when you swipe a credit card with a given merchant. Many TPG readers are likely familiar with some of the most popular options — like Amex Offers and Chase Offers. Even Citi Merchant Offers recently added more cards as it expanded to more customers. However, you may not know as much about the similar platform from Capital One.
Capital One Offers launched in 2020 and has grown since then, expanding the number of offers, their quality, and the number of customers who have access.
However, Capital One’s site is a bit different from others, as it functions more like an online shopping portal than a repository of discount opportunities.
Here's what you need to know about Capital One Offers and how this can help you save money when shopping online.
Capital One Offers provides cash back as a statement credit after eligible purchases with over 100 merchants. Whether your card earns miles or cash back, you’ll earn these offers in the form of cash back. Unfortunately, there is no option for bonus miles instead.
The terms state that credits can take up to three billing cycles to post to your account, and the offers are available only to U.S. cardholders. When logged in to your account on either platform, you can find the offers in the app or on the website.
All consumer (personal) credit cards issued in the U.S. by Capital One are eligible for Capital One Offers, so long as the account is in good standing. Unfortunately, business credit cards are not eligible for these offers.
Thus, cash-back-earning cards from the Savor and Quicksilver families of cards are eligible. Additionally, cards earning Capital One miles, such as the Capital One Venture Rewards Credit Card, Capital One VentureOne Rewards Credit Card and Capital One Venture X Rewards Credit Card, also participate.
How to find Capital One Offers
You can access Capital One Offers from the website and from the issuer’s mobile app. Start by logging in to your account, then locate “Credits for Shopping” on the right side of your user portal. Click on “View All Offers” to go to the Capital One Offers page.
CAPITALONE.COM
Additionally, if you are in the card management area for one of your credit cards, you can look for “Credits for Shopping.” This is found under your current balance and payment details. From there, click on “View All Offers” on the right side to view all available offers for your card.
CAPITALONE.COM
Within the mobile app, after logging in, all you need to do is scroll down. You can access Capital One Offers at the bottom of the page by clicking on “View All Offers.”
CAPITALONE
What deals are available with Capital One Offers?
Unfortunately, the offers aren’t grouped or organized in any meaningful way. There’s no option to sort them into alphabetical order, nor can you filter by category or merchant. There are offers for different types of spending, such as travel, meal kits, shopping sites and more.
Thus, you’ll need to search for offers using the name of the merchant you’re interested in. You can also search with a keyword, such as “hotel” (as shown below). Unfortunately, this type of search isn’t always reliable and might not find everything you’d expect.
CAPITALONE.COM
In this example, several hotel brands are included in the results. However, the search also displayed results for online travel agencies like Priceline and Booking.com, plus there are unrelated results for West Marine and Stubhub.
The silver lining to this setup is that you don’t have to worry about which offers are attached to which of your credit cards. With Amex Offers, you may see an offer on one of your cards but not on another — a card you may prefer to use with that merchant. Capital One Offers are not associated with a particular card and thus can be used with whichever card you prefer to use at that merchant. This allows you to choose the best card to earn the most miles or cash back, depending on the spending category.
Whether using the app or website, you can click “Save Now” on any offer. Doing so will take you to the offer details page. Here, you can read the applicable terms.
For instance, if you use the below offer from IHG, you’ll only receive the credit after your stay and only if the stay is completed within one year of booking. Thus, if your reservation is for nine months from now, you would only receive the credit after you complete that stay. This can be a long time to wait for (and keep track of) your statement credit.
CAPITALONE.COM
If you want to take advantage of the offer, click on the “Continue to Merchant” button and complete your transaction with an eligible Capital One credit card. It’s important that you use the link provided and that you don’t alter the URL in your web browser’s address bar. This has important tracking information to ensure that Capital One knows you took advantage of the offer.
After completing the offer on the merchant’s website, you’ll find a “Welcome Back” page on Capital One Offers. This page reminds you of the applicable terms and that many offers can take up to three billing cycles to complete reimbursement — unless your offer has a different timeline, such as our example above.
Now that we understand how to find and use Capital One Offers, there are some important things you should know.
GETTY IMAGES
It functions like a shopping portal
Capital One Offers is like an online shopping portal. You need to follow the links associated with the offers, keep the window open and be sure to not edit the URL in your browser’s address bar. Altering anything in this process can mean your transaction won’t track with Capital One — thus you won’t get the rebate.
You can’t stack promotions
Because Capital One Offers operates like a shopping portal of its own, you can’t combine these offers with other offers. In fact, the terms on the offers say adding coupons, discount codes or clicking through other portals means you will likely forfeit any statement credits from Capital One Offers.
On the other hand, both Amex Offers and Chase Offers simply need to be activated on a participating card. You’re then free to make the qualifying purchase through a site like Rakuten (though additional restrictions may apply).
Compare these against other offers
Because you can’t stack Capital One Offers with other shopping portals, discount codes or coupons, you should consider whether other offers are better. Receiving 3% back from a Capital One Offer might be less valuable than the ability to stack several offers by shopping in a different way.
Reading the terms is important
Each offer has its own particular terms. Large sections of these will be the same, but it’s important to note the terms before using an offer. Pay attention to how long it can take to receive your rebate. In addition, watch for exclusions on things like trial memberships, gift cards and items placed in your shopping cart prior to activating the Capital One Offer.
Some offers can be used more than once
While some offers can be used multiple times, others can’t. Make sure you note this in the terms of a merchant’s offer. If you can only use an offer once, be sure to purchase everything you want in one transaction. Coming back later for a second purchase on these “one use only” offers means you won’t get any cash back on the subsequent transactions.
Your credit may not be issued on the card used for the purchase
Each offer includes this interesting bit: “In the event you have more than one Capital One credit card, we may apply the statement credit to any active credit card account that is open and in good standing.” This means you might pay for an offer with your Capital One Venture X but receive the credit on your Capital One QuicksilverOne Cash Rewards Credit Card. Make sure to check any eligible cards you have in order to ensure your cash back posts as expected.
The Capital One Offers site provides discounts on a wide variety of purchases on many of the issuer’s popular cards — including the Venture Rewards and Venture X. Unfortunately, these offers can’t be stacked with other ways to save — including shopping portals, coupons and most discount codes.
Because of this, you should always check to see what offers are available across all of your credit cards and various online portals to be sure you’re getting the best deal. If Capital One Offers has the best deal available, you should know how to find and use them after reading this guide.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
