Capital One Shopping Review: Is It Worth It?

Do you shop online? If so, then you will want to use Capital One Shopping and read my Capital One Shopping Review. Capital One Shopping is one of the best coupon apps. This is a browser extension that finds coupon codes for you when you shop online. This is one of the best automatic savings…

Michelle Schroeder-Gardner

Last Updated: June 17, 2024

Disclosure: This post may contain affiliate links, meaning if you decide to make a purchase via my links, I may earn a commission at no additional cost to you. See my disclosure for more info.

Do you shop online? If so, then you will want to use Capital One Shopping and read my Capital One Shopping Review.

Capital One Shopping is one of the best coupon apps. This is a browser extension that finds coupon codes for you when you shop online.

This is one of the best automatic savings apps because you don’t have to do anything extra. The Capital One Shopping app does the work for you by running through available coupon codes as you check out, and then it automatically applies the best digital coupons for you and your purchase.

It’s free to use Capital One Shopping, and it is a browser extension that works with all major browsers.

You simply just shop as you normally do, and the Capital One Shopping app works in the background. I have it installed on my laptop; it works great and I am always able to find the best deals with no extra time spent on my end.

Key Takeaways

  • Capital One Shopping has coupon finding, price comparison, and gives you rewards across a wide network of online retailers.
  • The tool is easily accessible as a browser extension or through the Capital One Shopping mobile app.
  • Rewards earned through the platform can be redeemed for gift cards at many popular stores.

Capital One Shopping Review

Below is my Capital One Shopping Review.

What is Capital One Shopping? How does Capital One Shopping work?

Capital One Shopping is your go-to tool for smart and easy online shopping.

Formally known as Wikibuy, this tool is a browser extension and a mobile app. You can add it to browsers like Google Chrome, Mozilla Firefox, Opera, Microsoft Edge, and Apple Safari. For when you’re shopping from your phone, the Capital One Shopping app is available for iOS and Android devices, so that you can make sure you’re saving money no matter where you are.

Here’s how it fits into your shopping routine: as you shop online, the extension automatically looks for lower prices and applicable coupon codes. If you’re thinking about buying a particular item, Capital One Shopping will let you know if it finds the same item at a better price elsewhere.

Capital One Shopping is even more rewarding too because you earn points for your purchases. These points can be redeemed for gift cards at many different retailers. So, you save money and get rewarded – it’s a win-win!

Capital One Shopping is designed to be easy for everyone, whether you’re good with technology or not. All you have to do is install it, shop, and you’ll save money. It’s that easy!

How do you download Capital One Shopping?

To start saving money with Capital One Shopping, you just need to download the browser extension or mobile app.

For your desktop, visit the Capital One Shopping website and click on the option to add the extension to your browser. If you’re on a smartphone, download the app from the Apple App Store or Google Play Store by searching “Capital One Shopping.”

7 Ways To Save Money With Capital One Shopping

Capital One Shopping has several different tools to make sure that you save the most money when shopping online. These tools include:

capital one shopping extension

1. Automatically apply coupon codes

While shopping online, Capital One Shopping’s browser extension can automatically apply coupon codes at checkout.

This means you don’t have to look around the internet for coupons, as the tool seamlessly searches for and applies the best available codes for your purchases.

This is my favorite thing about Capital One Shopping. I love that I don’t have to look on a bunch of websites to find coupon codes. Instead, the Capital One Shopping browser extension does everything for me and helps me save money. This way, I don’t forget to enter coupon codes either, as it automatically does it for me!

According to my Capital One Shopping dashboard, this tool has saved me $1,047.26 since I started using it over 32 shopping transactions!

capital one shopping review
Screenshot of some of my rewards and savings.

2. Earn rewards points

As you shop with participating retailers, you can earn rewards points in your Capital One Shopping account.

You can then redeem these points for gift cards at different stores, giving you sort of like cash back on purchases you would be making anyway.

You simply just go to the Rewards & Savings tab when you are logged in on Capital One Shopping to see how much money you have available in shopping rewards. You can then exchange this for a gift card to places such as Adidas, American Eagle,, Kohl’s, Chewy, and so much more.

I recently redeemed my points for a $50 gift card to T.J.Maxx – couldn’t have been easier, as you don’t have to do anything extra.

Capital One Shopping's price comparison tool

3. Price comparison tool

Capital One Shopping’s price comparison tool helps shoppers find lower prices across different online stores.

Before you buy an item, this feature shows you where it may be available for less, sometimes including the costs of tax and shipping to give you a good idea of how much money you can save overall.

I really like this feature as sometimes the price can vary by a lot between different stores and even on Amazon. In fact, I was recently looking at furniture online, and the price difference from one store and another was nearly $500.

4. Price Protection

Note: This part of the program just ended. Here’s what they have said: “What happened to Price Protection? Capital One Shopping is no longer offering our Active Savings Monitoring/Price Protection product. We have updated our Terms of Service and Privacy Policy to reflect this change. We will still be offering many other opportunities for you to save with Capital One Shopping via our browser extension and emails.”

If you purchase an item and the price drops shortly after, Capital One Shopping tracks and alerts you to the price drops. It can help you request a refund for the difference without needing to monitor prices after you’ve made your purchase manually.

This is a nice feature, as it can save you a lot of money. I know I can’t be the only one who gets a little annoyed when I notice that something has dropped a lot in price right after I buy it. This feature can help you keep track of price drops so that you can maybe try to ask for a refund for the difference in price of an item.

For example, if you buy something for $50, but then the next week it drops to $25, you may be able to ask the online store for a refund of $25.

5. Capital One Shopping watchlist

Another great feature that Capital One Shopping offers is a watchlist.

You can add items to your Capital One Shopping watchlist and receive notifications if prices drop. It helps you be smart about when to buy things. When there’s a sale, it lets you know right away, so you can get the best deals.

To keep an eye on specific products, add them to your watchlist. When you view an item online that you’re interested in, click the Capital One Shopping icon or button to add it. You’ll get notifications, such as email alerts, if there’s a price drop or if a coupon code becomes available for that item.

Universal product search engine

6. Universal product search engine

This feature acts as a centralized search engine, comparing prices of a product across many different online stores. You can find where your desired item is selling for the least amount of money with minimum effort.

For example – if you are interested in a blender, you can simply just go straight to Capital One Shopping’s website and type in “blender” in their search bar.

It will then list out all of the deals and prices on blenders that the tool knows about. This way, you can just search for the best price on a blender on one site, instead of having to go to multiple sites to find the best deal.

Capital One Shopping hotels and travel

7. Capital One Shopping hotels and travel

When planning travel, Capital One Shopping helps you find the lowest rates on hotels. Just like with products, it compares prices across a number of travel sites to help make sure that you’re getting a good deal on your accommodations.

You can find this feature when you are logged in on their website and heading to the Hotels tab. Then, just enter the location of where you want to travel to, the dates, and the amount of people you are traveling with.

How To Earn Gift Cards With Capital One Shopping

Capital One Shopping has a unique way for you to earn rewards that you can convert to gift cards. By using this service, your regular shopping activities can lead to even more easy savings.

With Capital One Shopping, earning gift cards is tied to the use of shopping credits. When you shop online with Capital One Shopping tools, you can earn shopping credits (also known as points or rewards) on your purchases.

Here’s how you can earn points with Capital One Shopping:

  • Automatic coupons – As you shop, the free browser extension automatically finds and applies coupons, which earns you shopping rewards.
  • Price comparison – If you buy a recommended deal, you can earn shopping credits.
  • Price drop alerts – When items you’ve looked at drop in price, purchasing them can also reward you with credits.
capital one shopping rewards gift cards

Redeeming points for gift cards

Redeeming your Capital One Shopping credits for gift cards is pretty easy. Once you’ve earned enough credits, you can exchange them for gift cards at places like Macy’s, Nike, Gap, DoorDash, T.J.Maxx, Lowe’s, and more.

To get a free gift card with Capital One Shopping:

  1. Check your balance – You can see how many points you have on the Capital One Shopping app under the Rewards & Savings tab.
  2. Choose your gift card – Select from the list of available gift cards within the Capital One Shopping portal.
  3. Confirm your redemption – Follow the prompts to exchange your credits for the gift card that you want.

I honestly didn’t even know that this was a feature of Capital One Shopping until recently. I was mainly just using this site for the promo code search feature (because it is soooo nice and easy to use!) for my online purchases. One day, I logged in and realized that I had enough points for a free gift card. It’s like a nice little bonus!

Capital One Shopping Alternatives

When you’re looking for the best deals online, you have several options other than Capital One Shopping. Each alternative has unique features that might fit your shopping habits differently.

Below, you can see how Capital One Shopping stacks up against other popular sites – Honey, Rakuten, and Fetch.

Capital One Shopping vs Honey

Capital One Shopping and Honey (also known as PayPal Honey) are very similar.

Honey also has a web browser extension that automatically finds and applies coupon codes at checkout. Honey does not compare prices between different online stores, which is the main difference between the two apps.

You can sign up for PayPal Honey here.

Recommended reading:

Capital One Shopping vs Rakuten

Rakuten, formerly known as Ebates, is a popular cash back and shopping rewards program. It differs from Capital One Shopping mainly in its cash back model. Rakuten gives you a percentage of cash back on your purchases, depending on the store. Your earnings with Rakuten are distributed quarterly, whereas Capital One Shopping provides reward points that can be redeemed for gift cards.

All you do is click on a store that you want to shop through (they have tons of stores such as Walmart, Target, Old Navy, etc.) and shop just like how you normally would shop online.

When you sign up for Rakuten through my referral link, you can get a free $10 cash sign-up bonus.

Capital One Shopping vs Fetch

Fetch Rewards is a phone app that rewards you for grocery shopping (yes, just the normal grocery shopping that you do all the time!). With Fetch, you earn points by uploading shopping receipts, which can be exchanged for gift cards.

Capital One Shopping is more versatile since it works across different online retailers and automatically applies savings at checkout, not just on groceries.

But, Fetch is great for in-person shopping. If you’re looking for the best money-saving app for groceries, I’ve been using Fetch Rewards the last few months, and it is so easy to save on groceries and other daily purchases! All you have to do is take a picture of your receipt with your cell phone, and you can easily earn points. I scan any and all receipts into my Fetch Rewards app and can easily earn rewards. You can sign up for Fetch Rewards here.

Recommended reading: Fetch Rewards Review (Is This App Legit?)

Capital One Shopping pros and cons

Knowing the pros and cons about the different sites can help you pick the right one. Capital One Shopping is great for finding coupon codes that actually work, comparing prices, and earning rewards that turn into gift cards. But maybe you like Rakuten for simple cash back, Honey for instant coupons, or Fetch for rewards on groceries.

Think about what matters most to you – getting discounts right away, having rewards, or sticking to a specific loyalty program. This way, you can choose the shopping rewards that suit you best.

Frequently Asked Questions

Below are answers to common questions about Capital One Shopping.

Is Capital One Shopping safe and legit?

Yes, Capital One Shopping is both safe and legitimate. It’s a browser extension and app provided by a reputable financial services company (Capital One), endorsed by many different trusted websites, and has great user reviews. I personally have Capital One Shopping downloaded on my laptop and it has saved me a ton of money.

Is there a fee for Capital One Shopping? Do I have to pay with Capital One for Capital One Shopping?

Capital One Shopping is free to use, with no hidden fees. You don’t need to have a Capital One account or pay with a Capital One credit card to use this service. It’s a completely separate and free service.

How long does it take to get cash back from Capital One Shopping?

The time it takes to receive cash back from Capital One Shopping can vary. Once you’ve earned enough rewards, processing for cash back typically takes a few days to a few weeks.

How does Capital One Shopping make money?

I get it – this app has a ton of really nice features that can save you a lot of money. So, what’s the catch? The Capital One Shopping extension earns money through affiliate marketing. When you buy something through the extension, the store pays Capital One Shopping a commission.

Which is better for saving money: Capital One Shopping or Honey?

It’s hard to definitively say which is better, Capital One Shopping or Honey, as both offer similar features. Your choice might depend on which platform provides better deals or rewards for the stores you shop at.

Do I need a Capital One account to use Capital One Shopping?

No, a Capital One account isn’t necessary to use the Capital One Shopping browser extension. The service is available to anyone looking to save money online.

Is there a downside to Capital One Shopping?

Some users have noted limited cash-out options and shared concerns about privacy due to the data Capital One Shopping collects for personalized deals and offers.

Capital One Shopping Review – Summary

I hope you enjoyed my Capital One Shopping Review.

So, is Capital One Shopping worth it?

Capital One Shopping is one of the best money saving apps because it automatically applies coupon c odes when you’re shopping online at both popular retailers and smaller local ones. That means you don’t have to search for coupon codes, which can save you time and money.

Capital One Shopping can be a great tool for you if you love shopping online and want to save money. Here’s what you might like about it:

  • Automatic coupons – As you shop, the tool searches for and applies coupons to your purchases.
  • Reward credits – You earn them as you shop and can swap them for free gift cards.
  • Price comparison – You can see if another retailer has a better price on the items you want.
  • Price drop alerts – You get notifications if something you watch gets cheaper.

The tool is free and works as a browser extension or a mobile app. Your shopping becomes more efficient because you don’t have to look for deals or compare prices manually – Capital One Shopping does it for you.

So, is it worth it for you to use Capital One Shopping?

For me, the answer is yes – Capital One Shopping is definitely worth it. I have had Capital One Shopping downloaded on my laptop for a couple of years now, and this browser extension makes it so easy to save money when shopping online.

What is your favorite money-saving browser extension?

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Michelle Schroeder-Gardner

Author: Michelle Schroeder-Gardner

Hey! I’m Michelle Schroeder-Gardner and I am the founder of Making Sense of Cents. I’m passionate about all things personal finance, side hustles, making extra money, and online businesses. I have been featured in major publications such as Forbes, CNBC, Time, and Business Insider. Learn more here.

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