Capital One Shopping has long had a cap of $250 in rewards on their targeted email offers (per purchase — in other words, if you click through two separate times and make separate purchases, it has been possible to earn more than $250 cumulatively). In my extensive experience, the cap has not applied on the website (nor did the website mention a cap in terms & conditions).
Then, just a couple of days ago, I received an email showing a new maximum of $5,000 back on each of the email offers. That seemed like a positive development. However, I just went to the Capital One Shopping website, and I now see a maximum of $250 back listed on most of the targeted offers. The moral of the story here is that you have to carefully watch out for the terms before you make a purchase.
The fine print at the bottom of the email confirmed that it wasn’t a typo.
You received this email offer as a valued Capital One Shopping customer. To make a qualifying purchase, you must click an offer button above, and then complete a purchase at the selected merchant’s site, in the browser opened by your device, within 24 hours. Offer is not valid by any other method, including purchasing via a merchant’s mobile app. In addition, you may not earn more than $5,000 worth of Shopping Rewards in any single transaction.
Then, today, I went to the website to check for offers, and I noticed a $250 cap on most of my targeted offers.
However, that cap can’t apply across the board since one of my targeted offers was for $400 back on T-Mobile Home Internet (which is a great deal by the way! I might have to sign up a family member at that amount . . . ).
And at least some of the targeted offers on my home page did not list the $250 cap, such as 30% back on Celebrity Cruises. I have gotten an offer for Celebrity via email before, but with the $250 cap.
To be clear, most of the desktop offers show the $250 cap. And there is no mention of a maximum amount per transaction in the Terms of Service for Capital One Shopping (though, oddly, it says that you can not redeem more than $500 worth of rewards in a single transaction, which doesn’t make any sense since they offer some gift cards in demoninations of up to $2,000, and I recently redeemed $1100 for a single Marriott gift card).
In short, you need to carefully review the terms of Capital One Shopping offers. Previously, only the email offers were subject to a maximum of $250 in rewards on a single transaction. Now, some desktop site offers are subject to the same cap, while some email offers have a cap as high as $5,000.
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I’ve noticed the $5000 cap seems to apply to “Today’s Top Offer” and only in the emails. I also took advantage of yesterdays SharkNinja offer of 60% with a $5000 cap. My cash back was $227 so I can’t say whether the $5000 cap worked or not.
I’ve received email offers for “up to 20%” (using 20 as an example) lately. There is no info on what items qualify for various percentages. WalMart, for instance, has clear verbiage on which items don’t qualify. Anyone had success figuring out included items on the “up to” email offers?
After you click through, assuming you’re in the browser where you have the extension installed, you can click on the extension to confirm the “up to 20% back” and it lists the various categories there. Alternatively, if you go to the website and find the same type of targeted offer on the home page (of Capital One Shopping), there is usually an “i” in a circle next to it, and if you mouse over that “i”, it shows the breakdown.
Just got 20% off plus 60% back on SharkNinja (max in the email was $1,000, the website had 45%). Grabbed a robot vacuum at a steep discount, which was great as we’ve been wanting to add another of theirs for downstairs (we already have another Shark upstairs)
I know everyone is different in what purchases They make off of what website but just curious Some of Bet options related to redeeming
I have found enforcement of the cap is hit and miss, miss more often than hit.