Update 12/1/22: Rate is back at 8% on Capital One Offers. h/t Roman
Update 11/11/22: Rate is back at 8% on Capital One Offers. h/t Roman
Update 10/21/22: Rate up to 8%. h/t Roman
Update 10/11/22: Rate down to 6%. h/t Roman
Update 10/9/22: Capital One Offers – the shopping portal accessible when logged in to a Capital One account – is offering 8% back at Giftcards.com too. The terms state you have to pay with a Capital One card; I’m not certain if that’s enforced, but I think it is. I heard reports a couple of years ago of it not tracking well, but I’m not sure if that’s still the case or not. Still, 8% cashback + ~2%/2x on a Capital One card makes for a decent deal. h/t Roman
Update 10/7/22: Capital One Shopping is now offering 8% cashback in the app. Based on comments below, this seems to be targeted. h/t Roman
The Deal
- Earn 6% cashback at Giftcards.com when clicking through from the Capital One Shopping app.
- Direct link to app – Play Store
- Direct link to app – App Store
Key Terms
- Expiry date unknown.
Tips & Ideas
The Capital One Shopping website is only offering 3% cashback, so you have to download the app and click through from there in order to get the 6% cashback rate.
I’ve never used Capital One Shopping, so I’m not sure how reliable they are with tracking. At 6% cashback though, it could be worth a try seeing as the highest portal rates elsewhere are 3%/3x.
You could also pay with a Citi card that has the 1.5% Giftcards.com Citi Offer loaded to it, although there seem to be reports that people haven’t been getting those statement credits.
h/t Roman
Do you have to use a Capital One card to get the cashback? Thanks
No, you can use any credit card.
Also, I have made my first 2 purchases at GiftCards.com this year via Capital One Shopping. Both tracked within a week and paid out within a month.
Always check the app over the desktop version, since the rates seem to be higher there. When I made my first purchase, the rate for me was actually 10% (not a typo) at GiftCards.com in the app and 6% on desktop. I was new to this game at the time and naively didn’t realize how rare that was.
I may be wrong about this, but I think Capital One Shopping actually offers temporarily-increased rates on an individual basis. As in, occasionally the rate at certain retailers will be temporarily higher but only for certain members (possibly determined based on your click history?). I think they will send an email to notify you of such increase.
I have used them many times. Tracking is pretty good, and the one time something did not track, CS was responsive.
One thing to note is that cashback is in the form of points redeemable for gift cards like Walmart and Safeway, rather than straight money.
Citi explained the GCC issue to me. GCC often posts a temporary charge of $1 and sometimes the Citi system thinks that’s the first purchase. The offer is only good on the first purchase, so you get 1.5% of $1.00. The real purchase gets ignored. Citi can manually fix this with some patience, but I still consider it risky.
That’s total horse poo. Have you read the old terms for the citi offer? Excludes gift cards, in-store offer. Wtf? The store is called GIFTCARDS.com. What do you think they sell? And they don’t even have a physical location
Interesting. The $1 is a pending charge; it never actually posts. PayPal does this too. I wonder if you can game the Citi offers by generating huge pending charges and then just cancel the transaction later. I’d test it out if I actually had a Citi CC.
8% on phone with app already on it; 2% on app of new phone.
This seems consistent with what I’m seeing (2% on app that I downloaded yesterday, had no idea they had an app!)
I’m seeing 2% in app, 4% on website. I checked a couple of times since yesterday. May be it’s targeted?
Re the 10/9 update, where in the terms does it say you have to use a capital one card? Are you referring to something in this specific deal or for CapitalOne/Giftcards.com generally?
Anecdotally I’ve made several purchases at giftcards.com with a Citi DoubleCash card this year. All have tracked and paid out.
The terms state the following:
To earn the rebate you must make an eligible purchase at giftcards.com. Shopping credits are not eligible on orders using a gift card as payment. Credits will be issued on up to $2,000.00 dollars worth of purchases per month. To earn the rebate, you must be a Capital One credit cardholder, logged in to your account on capitalone.com or the Capital One Mobile app, and pay for a qualifying purchase using an eligible Capital One credit card.
Note that this is relates to Capital One Offers rather than Capital One Shopping (and isn’t anything to do with the Giftcards.com Citi Offer).
Thanks for clarifying. I was confusing Capital One Offers and Capital One Shopping.
Capital One SHOPPING has no such restriction, as far as I can tell.
I guess I’m confused as to why it needed to be said that Capital One OFFERS requires a Capital One card, since I thought you can’t even get access to Capital One OFFERS without signing in with your cardmember account.
It’s not so much that Capital One Offers requires that you have a Capital One card, but that you specifically pay with that card.
Cap One Business cards seem to only have access to the cap one spring business offers and not “regular” offers.
Regarding tracking on Capital One Offers (not Capital One Shopping): Made two $750 purchases yesterday, and already pending this morning. So so far, so good.
i did this last time from capital one portal and purchased using capital one credit card. the transaction is already posted but i do not see the cashback posted yet. not sure how long it takes.
If you used Capital One Offers (not Capital One Shopping), then log into your C1 account and then go here: https://capitaloneoffers.com/c1-offers/shopping-trips If you see the transactions as pending, then all is well and you will get the cash back credited to your account within 90 days.
If you used Capital One Shopping (not Capital One Offers), then go here after logging in: https://capitaloneshopping.com/my-rewards Again, if you see the transactions as pending, then all is well and you will get the cash back credited to your account in 30-90 days.
what if you didn’t get the cash back, is there a way to open a support ticket ?
One Capital One Shopping, yes. I remember doing it once when something didn’t track. Not sure about Capital One Offers. I would imagine so, but so far, everything has tracked (knock on wood).
How long does Capital One to pay out (meaning the reward gets past of the “pending” stage)?
Capital One Shopping can be as quick as 30 days. Capital One Offers takes longer.
I checked yesterday and the app only showed 4% cashback at GCC for me. Still seeing the same now.