How Do I Redeem My Points with Capital One?

A Capital One cardholder learns more about the conditions of the rewards they could earn by using their cards for everyday purchases. They are provided information on the various ways points can be redeemed (either for cash, gift cards or as a statement credit). Further, cardholders are provided step-by-step instructions on redeeming points online and given a brief rundown of how to redeem points via the mobile app.

A perk of being a Capital One cardholder is the rewards you can earn for qualified purchases you make with your Capital One card. If you are a Capital One cardholder, you may have a number of points in your account waiting to be redeemed. How do you redeem your points with Capital One? You can call Capital One customer support here for more information and assistance. Below are ways to redeem your rewards points.

Things to Know About Rewards Points

Before redeeming your points, here are some things you should know about the rewards program.

  1. Your reward points will not expire for the life of your account. As long as your account is open and in good standing, points will continue to accrue.
  2. Capital One does not put a cap on rewards points you can earn through qualifying purchases.
  3. Depending on your card, you can earn miles or points to redeem for travel rewards, cash, gift cards or other purchases.
  4. If your account is suspended, delinquent, or otherwise in default, you cannot redeem your points.
  5. While there is no cap on the number of points you can earn, you will lose the points you haven't used if you close the account. Therefore, if you are thinking of closing your Capital One account, make sure you have redeemed your points before doing so.

Ways to Redeem Points

There are several ways to redeem Capital One points, depending on the type of card you have. Some of those ways are discussed below.

  1. If you want to redeem your points for cash, you can do so with a number of Capital One cards that contain reward programs. You can request a check from Capital One or request that the cash be applied directly to your statement.
  2. If you have made a recent purchase, you can use the cashback points to cover that purchase.
  3. Capital One partners with several retailers, allowing you to redeem your rewards points for gift cards.
  4. You can link your Capital One card to Amazon and use your points to make purchases from its website.
  5. You can link your Capital One card to your PayPal account and send your cash rewards directly to PayPal. At this point, you can use your PayPal account for whatever your wish.

How to Redeem Points

Redeeming your points is simple. Just follow these steps:

  1. Go to the Capital One website.
  2. Log into your account.
  3. Click on "Redeem Points."
  4. Choose how many points you wish to redeem and what you want for those points.
  5. Click "Submit."

You can also redeem points from the Capital One mobile app by logging into your account and opening the rewards link. Then follow the steps listed online on deciding the number of points to use and how to use them.

Take control of your Capital One rewards points by following the steps outlined above. For more information or assistance, you can contact customer support here.

Why Did GetHuman Write "How Do I Redeem My Points with Capital One?"?

After thousands of Capital One customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Redeem My Points with Capital One? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Capital One if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Capital One Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Capital One in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Redeem My Points with Capital One? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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