Capital One Shopping and Capital One Offers are offering increased earning rates when booking stays today through Vrbo. I’m currently seeing rates of 12x Capital One miles or 25% cashback, but there will likely be even higher targeted rates out there as the day progresses.
The Deal
- Earn 12x+ miles or 25%+ cashback on Vrbo bookings through Capital One Offer and Capital One Shopping respectively.
Key Terms
- Expires January 13, 2026.
- Capital One Shopping – Limit $1,000 back (limit might vary on a targeted basis).
Quick Thoughts
These are very good earning rates for Vrbo, but there might be even higher targeted offers out there. My wife’s Venture X cards both have a 12x earning rate through Capital One Offers, but with past daily deals we’ve seen data points of some cardholders having even higher rates than she has. Capital One Offers is like a shopping portal, but it’s only available for Capital One cardholders. When initially logging in, scroll down to where it says ‘Activate Shopping Offers’ and you’ll see it there.
If you have more than one Capital One card, click on ‘View All Offers’ and then use the dropdown at the top to switch between your cards because you might find that one card has a higher earning rate than the others. Be aware that your earning currency will be miles or cashback depending on what your cards normally earn. If you have different cards that earn in different ways, pick whichever one is the most rewarding. e.g. for some people, 12x Capital One miles will be preferable to something like 15% cashback.
That all relates to Capital One Offers which, as previously mentioned, is only available for Capital One cardholders. It’s also worth checking Capital One Shopping – a shopping portal that’s available to everyone, not just cardholders – because that might have an even higher earning rate, although it could depend on where you look. On the home page of the Capital One Shopping website, I’m seeing a rate of 10%. When clicking through to a page that has a variety of deals, it’s 20%. Via email early this morning, it’s 25%. Emailed offers tend to get higher as the day goes on, so keep an eye on your inbox as I wouldn’t be surprised if at least some people are targeted with a 30% or 40% earning rate later today.
Keep an eye on the terms of the offer too. For the 10% and 20% earning rates through Capital One Shopping and 12x rate through Capital One Offers, I’m not seeing any upper earning limit (it’s worth screenshotting the terms if you’ll be booking a particularly expensive/high earning stay). For the 25% offer via email though, that has a limit of $1,000 back in rewards.
Also bear in mind that with Capital One Shopping you’re earning cashback, but it can only be redeemed for select gift card brands. With Capital One Offers, you’re earning straight cashback or miles. A 15% cashback offer through Capital One Offers is therefore more valuable than a 15% cashback offer through Capital One Shopping.
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I think 25% is the highest for VRBO but lmk if anyone has more.