This program is sponsored by Capital One (“we”, “us”, “our”).
Participation is restricted to active U.S. account holders only.
This program or any portion of this program is void where prohibited by federal, state, or local law.
Rewards will be earned and calculated as specified in your Rewards Program FAQs found at capitalone.com. There may be limits or caps to the amount of rewards that can be earned. There also may be rewards offers requiring activation or other ways to earn more rewards on certain purchases. If your rewards card has any limits, activation requirements or ways to earn more rewards, this information is specified in the “Things you should know about this rewards program” section of your Account Terms and in your Rewards Program FAQs found at capitalone.com.
Rewards will be rounded to the nearest whole increment.
Transactions that qualify for rewards are determined at our sole discretion; we reserve the right to verify and adjust the rewards balance at any time.
Rewards will be earned or deducted when the purchase or return transaction posts to your credit card account. Rewards are not earned for pending transactions. Please sign in to capitalone.com for your most up-to-date rewards balance.
Rewards are earned on net purchases (purchases minus any credits or returns). Cash advances, balance transfers, fees, interest charges, and checks used to access your account are not considered purchases and will not earn rewards.
Earned rewards are usually visible online within 10 days, but may take up to 2 statement cycles to post to your account.
Rewards are earned after we enroll your account in this program; no rewards will be provided retroactively.
Rewards cannot be used to meet minimum payment obligations to Capital One or its affiliates. Account credits lower your account balance but do not count toward your minimum monthly payment obligation.
Determination and payment of tax liability related to rewards are the sole responsibility of the account holder. To the extent required by law, certain rewards transactions may be included in year-end tax reporting.
All redemptions are final.
Rewards redeemed for merchandise or other products and services do not earn rewards.
Accounts that are not in good standing (e.g., suspended, restricted, delinquent, or otherwise in default) or closed may have different redemption options or may lose any unredeemed rewards.
We reserve the right to disqualify any account holder from participation in this rewards program in the event of fraud, abuse of program privileges, or violation of the Terms as determined by the sole judgment of Capital One. Such disqualification may result in the forfeiture of any accumulated rewards or account closure.
In the event of account closure, we may apply your rewards balance to any credit balance owed. If this results in a positive balance on your account, a refund check will be mailed to you.
We reserve the right at any time in our sole discretion to: (1) alter, change, or terminate this rewards program and (2) change redemption values. Please visit capitalone.com for your most current Rewards Program Terms and Conditions.
We reserve the right to delay or not enforce any of our rights under this rewards program without waiving or losing our right to enforce them later.
In the event we learn of the Primary account holder’s death and there is no Secondary account holder, we will apply any remaining rewards balance as a credit to the account at the account’s standard cash redemption rate.
Account holders have no property right in unredeemed rewards. Unredeemed rewards shall not in any circumstances be considered to have been abandoned or otherwise reportable or escheatable within the meaning of the unclaimed property laws of any U.S. or foreign state or territory.
Your Redemption Terms & Conditions
Cash Redemptions
Account credits lower the account balance but do not count toward your minimum monthly payment. Your minimum monthly payment will still be required.
Account credits usually post within 2 to 3 business days, but may take up to 60 days after redemption.
Checks will be made out to either the Primary or Secondary account holder only. Checks should arrive by mail within 2 to 3 weeks.
Capital One is not responsible for the disposition of rewards checks by an account holder.
Cover Your Previous Purchases
Redemptions can be made for account credits toward prior purchases on this Rewards card account within 90 days from the date the purchase posts to the account.
Account credits usually post within 2 to 3 business days, but may take up to 60 days after redemption.
Gift Card and Digital Card Redemptions
Gift card offerings may include both traditional (plastic) gift cards and electronic gift cards (Digital Cards).
Traditional gift cards will be delivered within approximately 2 to 3 weeks after redemption.
Digital Cards are typically delivered to the primary email address on the account immediately after redemption. In some cases, it may take up to two weeks.
If you do not receive your redemption within the above-specified timeframes or if it is damaged/defective upon delivery, please call the number on the back of your Capital One card.
The names and logos of merchants are used with permission of the merchants and all trademarks are the property of their respective owners.
The merchants for which gift cards are offered are not affiliated with the Capital One Rewards Program.
Capital One does not guarantee the availability of a specific gift card, and the choices available are subject to change at any time in our sole discretion. Access to Digital Cards may be suspended in the event of suspected fraud.
Gift cards have no fees and do not expire.
TERMS AND CONDITIONS ARE APPLIED TO GIFT CERTIFICATES/GIFT CARDS