Capital One Shopping portal: What is it and how to use it to earn rewards
Online shopping portals allow you to earn bonus points, miles or cash back when you shop at select retailers. By logging in to your preferred portal, clicking on a store and making a purchase as usual, you can earn these bonuses on top of the rewards you get from your credit card.
Capital One Shopping is one such portal that helps you find deals and save money, even if you don’t have a Capital One credit card. It offers targeted deals that differ from the Capital One Offers found in your account, and it will automatically add coupons to your shopping cart.
In this guide, we’ll cover everything you need to know about using Capital One Shopping to save money on purchases.
Related: The beginners guide to airline shopping portals: How to earn bonus points and miles
What is Capital One Shopping?
Capital One Shopping is an online shopping portal that can save you money on your purchases. It's free and available to everyone, even if you don’t have a Capital One credit card or bank account. However, features may be limited if you're based outside the U.S.
Unlike other shopping portals that give you points, miles or cash back, Capital One Shopping earns you credits that can be redeemed for gift cards. Although it’s not the same as getting cash, many merchants are available for your gift card redemptions, including Walmart and eBay.
Capital One Shopping also provides a browser extension you can easily download after logging in. Once installed, the extension will prompt you to activate any available Capital One Shopping offers while you search online.
To use it, visit your desired retailer. You’ll be prompted to activate the available offers in the top right corner of your screen. This extension is a convenient solution for simplifying the rewards-finding process and avoiding the need to manually search for them.
Related: Best credit cards for everyday spending
How to use Capital One Shopping
To use Capital One Shopping, start by visiting capitaloneshopping.com and creating an account. You can set up your own credentials or choose to log in via Capital One (if you're already a Capital One customer).
Alternatively, you might be able to use a referral to jump-start your earnings. Capital One Shopping has been known to offer referral bonuses when you join using a friend or family member’s referral link. For instance, when you create an account using the referral link and download the browser extension, then spend $10 in the first 30 days, you and your referrer will both earn a one-time bonus of $40 in rewards.
Once you have an account, you can find what you're looking for using the search bar at the top of the page. From the individual merchant page, click "Visit Site" in the upper left box. You can also click “Activate” or "Get Coupon" on one of the offers below. You’ll be redirected to the merchant's site to complete the purchase.
Like other shopping portals, you must click through the portal to receive rewards (unless you have the browser extension, which will prompt you to activate rewards when you open an eligible merchant’s site). You should avoid navigating to other websites or shopping portals during the process and using coupon codes that aren't listed on Capital One Shopping, as this may cause your purchase to not be tracked properly with Capital One Shopping.
If you're not sure exactly what you're looking for, you can browse options by clicking the "Brands" or "Products" tab at the top or choose the "Events" tab to search current deals. Capital One Shopping now offers a wide variety of merchants, ranging from pet supplies and electronics to hotels and concert tickets.
When you search by product, Capital One Shopping will display the various merchants that sell your item, including the product condition, the estimated delivery time, the potential rewards and the final out-of-pocket cost after rewards. For example, when I searched for Apple AirPods Pro, I could save over $70 when buying them from Amazon instead of eBay.
Capital One Shopping has a similar price comparison tool for hotel reservations. Start by searching for your destination and dates, then click on a hotel that interests you and scroll down to see the available offers.
As you can see, booking with certain online travel agencies can save you money on your hotel stay. But remember that you generally won’t receive elite status benefits or earn elite-qualifying points or nights unless you book directly with the hotel. If you find a lower rate at a Marriott, Hyatt, Hilton or IHG property than what’s available by booking directly, you can submit a price match/best-rate guarantee request, and if approved, the lower rate will be honored.
Related: 9 things to consider when choosing to book via a portal vs. booking directly
How to redeem Capital One Shopping rewards
As mentioned, Capital One Shopping provides rewards in the form of credits that can be redeemed for gift cards at select retailers. This is different from programs like Rakuten, Dosh and TopCashback, which allow you to earn cash rewards (typically distributed via PayPal, check, automated clearing house service or Venmo transfers).
When you're ready to redeem your Capital One Shopping rewards, you can order gift cards by selecting “Redeem Now” under the “My Rewards & Savings” tab.
From there, you can see your redemption options. There are currently over 50 retailers to choose from.
Related: Use a shopping portal aggregator to maximize online purchases
What credit card should you use with Capital One Shopping?
You can use Capital One Shopping without using a Capital One card. However, many Capital One cards can be great options for these types of purchases, including:
- Capital One Venture Rewards Credit Card: Earn 2 Capital One miles per dollar spent on every purchase.
- Capital One Venture X Rewards Credit Card: Earn 2 miles per dollar spent on every purchase.
- Capital One Spark Miles for Business: Earn 2 miles per dollar spent on every purchase.
- Capital One Quicksilver Cash Rewards Credit Card: Earn an unlimited 1.5% cash back on every purchase.
For additional suggestions, check out our list of the best cards for online shopping.
Related: Capital One miles: How to earn, redeem and transfer rewards
Bottom line
The Capital One Shopping portal can help you save money, even if you don’t have a Capital One credit card. Although it falls short of offering cash back, it rewards you with gift cards at various merchants, and it sets itself apart from many shopping portals with valuable price comparison functionality and the ability to search for and apply coupon codes to your transactions. Plus, the Capital One Shopping browser extension makes it easy to activate available offers and earn rewards while shopping online.
Overall, using Capital One Shopping is a simple and effective way to maximize savings on your purchases — so sign up today.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
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 to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.