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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 ...
With years of experience in corporate marketing and as the Executive Director of the American Chamber of Commerce in Qatar, Keri is now Editor-in-Chief at UP, overseeing daily content operations and r...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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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.
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
Image Credit: Capital One
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:
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
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).
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 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.
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
Capital One Offers is a cash-back/statement credit program specifically for Capital One cardholders.
Yes, Capital One has hundreds of cash-back offers available at any given time that can add up to big savings.
Using Capital One Offers is easy. Just activate your offer in your account, complete your shopping trip, and then wait for your statement credit.
Most consumer personal credit cards from Capital One come with Capital One Offers. Capital One business cards are not eligible.
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.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
14 comments
JamesK
February 01, 2023
Is there a way to keep track of these rewards once they are activated and applied to a purchase? How long does it usually take to get the “statement credit?”
Unfortunately, at the moment, there isn’t a great way to track applied offers. Statement credits can take up to 3 billing cycles but often arrived sooner.
Nick Rustad
February 12, 2023
With the cash back rebate received when using an offer, do I still receive the 2x miles (Venture X) on the balance of the purchase/spend? I’m trying to figure out when best to use Capital One (x% rebate) versus Chase offers(miles multipliers).
I keep having issues with using Capital One Offers and under “Shopping Trips” it showing as a Trip Without Purchase, even though I made a purchase. I haven’t had any luck getting customer service help. Has anyone else run into this?
Dreese
June 08, 2023
Call, screen shot everything. I usually have success, but not always.
Karl
June 13, 2023
Have they stopped this program? Can’t see it when I log in to my Venture X account.
Keri Stooksbury
June 13, 2023
Hi Karl – When you log into your account on capitalone.com and click on your card, you should see these offers above your transactions. Click “View All Offers” to be brought to this page. Thanks for reading!
![The Ultimate Guide To Using Capital One Offers [Earn Cash-back!]](https://upgradedpoints.com/wp-content/uploads/2022/09/Capital-One-Venture-X-Upgraded-Points-LLC-10-Large.jpg?auto=webp&disable=upscale&width=1420&height=650&fit=crop)
14 comments
JamesK
February 01, 2023
Is there a way to keep track of these rewards once they are activated and applied to a purchase? How long does it usually take to get the “statement credit?”
Chris Hassan
February 01, 2023
Hey James,
Unfortunately, at the moment, there isn’t a great way to track applied offers. Statement credits can take up to 3 billing cycles but often arrived sooner.
Nick Rustad
February 12, 2023
With the cash back rebate received when using an offer, do I still receive the 2x miles (Venture X) on the balance of the purchase/spend? I’m trying to figure out when best to use Capital One (x% rebate) versus Chase offers(miles multipliers).
Chris Hassan
February 13, 2023
Yes, you will receive the bonus miles on the full purchase amount.
Elaine
April 10, 2023
How many times can we use each offer? How do we know if an offer is limited to one usage? Thank you!
Jarrod West
April 10, 2023
Hi Elaine,
Usually, you can use each offer until the cash-back limit for the offer has been reached.
Aimee
April 14, 2023
Does the purchase have to be with the card or just logged into the app?
Jarrod West
April 14, 2023
Hi Aimee,
Yes, the purchase must be made with your card.
Kat
May 12, 2023
I keep having issues with using Capital One Offers and under “Shopping Trips” it showing as a Trip Without Purchase, even though I made a purchase. I haven’t had any luck getting customer service help. Has anyone else run into this?
Dreese
June 08, 2023
Call, screen shot everything. I usually have success, but not always.
Karl
June 13, 2023
Have they stopped this program? Can’t see it when I log in to my Venture X account.
Keri Stooksbury
June 13, 2023
Hi Karl – When you log into your account on capitalone.com and click on your card, you should see these offers above your transactions. Click “View All Offers” to be brought to this page. Thanks for reading!
William
August 16, 2023
How often does Capital One update these offers?
Jarrod West
August 16, 2023
Hi William,
Usually each month.
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