How Do I Start Gaining Points with Capital One?

If you have a Capital One credit card or are considering applying for one, you will learn the types of transactions that can generate rewards points. You are given a list of transactions that will not qualify for points as well. Additionally, you are given information on how the points program is managed by Capital One.

One of the things people look for today in a credit card is a points program that rewards them for using their cards. Capital One has a variety of credit cards that carry rewards programs for cardholders. How do you start gaining points with Capital One? You can get additional information and assistance from customer service here, and you can keep reading to find out how you can earn points on your card.

Understanding the Rewards Program

First, it's important to be familiar with the Capital One rewards program. Capital One offers rewards on many of its credit cards, but the types of rewards can vary from card to card. Some will give you cash back, some points you can redeem for gift cards or other goods, and some you can trade in for flyer miles. Therefore, it's important to pick the card with the rewards you want to earn. Once you have your new Capital One card, you will earn points on every purchase you make.

What Transactions Earn Points

It's also important to understand what transactions generate awards and which ones do not. Points are earned on net purchases (but returns or credits are subtracted from this amount). The following transactions will not generate points:

  1. Cash advances (withdrawing a cash advance on your card is not considered the same as a product or service purchase).
  2. Balance transfers (transferring a balance from another card or account to your Capital One credit card is not considered a qualifying purchase).
  3. Checks that may have been issued to use with your card are considered the same as cash advances and are therefore not eligible.
  4. Cash equivalent transactions (such as cash back at the register when you make a purchase) are considered cash advances and not eligible for points.

Reward Point Program Requirements

When considering a Capital One card with a rewards program, keep the following in mind:

  1. Points never expire as long as the account is open and in good standing. The only way you will lose points is if you close your Capital One account.
  2. Capital One does not place a cap on how many points you can earn. Therefore, you can save up points for larger redemptions if you wish.
  3. You only have to make your monthly minimum payment to continue to build and redeem points. Remember, carrying a balance on your card can lead to higher interest payments over the lifetime of the account.
  4. If your account is suspended, delinquent or in default, you cannot redeem points until the account is brought back into good standing.

Bottom Line

The bottom line is except for cash advances or the equivalent of cash advances, you will earn points or miles on all purchases you make with your Capital One card. Points never expire, and you can earn as many points as you want. For more information on the Capital One rewards points program, contact customer support here.

Why Did GetHuman Write "How Do I Start Gaining 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 Start Gaining 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 Start Gaining 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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