Over the past few days, Capital One cardholders have noticed the debut of card-linked offers, found within the Capital One Offers section of their credit card login. Thus far, the offers are pretty slim, but it’s great to see the expansion of card-linked offers into this space.
As you can see above, the offerings thus far are pretty limited. I see the same offers on all of the cards in my household, with the miles-earning cards showing 6X-13X miles. The cash back cards in our household show 6% to 13% back.
Capital One has a confusing number of shopping-related offers and an even more confusing number of naming conventions.
- Capital One Shopping: This is a public shopping portal that anyone can join, no Capital One credit card required. Rewards can only be redeemed for gift cards.
- Capital One Travel Offers: These are offers found when logging in to Capital One Travel with your eligible Capital One credit card.
- Capital One Offers: These are shopping portal offers within your Capital One credit card login, but they work like a shopping portal in that you need to click through the links to use them. However, this section how also has card-linked offers.
In order to find Capital One Offers, log in to your credit card account and find the offers immediately below your card balance. Click view all offers.
Then find the “In-store” filter option as shown below.
Again, options are very limited for now, but hopefully we’ll see these expand.
H/T: Doctor of Credit
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I once tried to buy a dell computer using one of these portals and prices were a bit higher and the selection was much more limited than going directly to dell.com. Caveat emptor.
You are only showing the “In-store” options.
I have found this to be better than Rakuten over the past year, especially with the travel options – got an 8X for Bonvoy.
I’ve had no issue with my account being credited, it usually takes a week or 2 rather than quarterly like Rakuten.
Got a 10x at CVS in store a couple of months back
They’ve had CVS as a card linked offer for over a year so this is not new. That said, it’s definitely expanded.
Until Capital One rolls out a better customer service work flow for missing rewards I have a hard time getting excited about their offers. I used C1 offers for a Lululemon order (was supposed to be 12x miles) back in December — it tracked properly but was deemed ineligible for no apparent reason. That in and of itself is NBD — we’ve all had that issue with portals. But for C1 there is no online form to submit for missing rewards, you have call. There’s not a dedicated phone number for this, you have to call the main customer support line and inevitably explain your issue to multiple people before getting transferred to the correct department (pro tip: practice the phrase “no, not Capital One Shopping — Capital One *Offers*, it’s different”). When you do finally get through to the correct department, they will tell you that they won’t even submit a support ticket until your third statement close after the purchase. Then you go through the phone tree again. If you’re lucky, they’ll award you the missing miles — but in my case they instead applied a statement credit amount that had no relation I could determine to my purchase. It wasn’t worth calling yet again so I didn’t keep pursuing, but the experience was annoying enough that it has put me off using their portal again despite attractive offers.
Will CardPointers or Savewise track these?
They must have expanded their offerings because I have at least 40 different stores.
If these expand to more stores they could be very interesting given Capital One’s penchant for offering high rates of return. Capital One Offers (earning miles with a linked card) have become my go to for most online shopping as they frequently beat out rates at Rakuten, and they include some stores absent from most other mile earning portals.
Buuuutttt they clawback