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1. Rewards Redemption:ÌýRewards never expire. We reserve the right to determine the method to disburse your rewards balance. We will credit your Account or send you a check with your rewards balance if your Account is closed. You may be unable to redeem rewards in some limited situations such as when you choose to use an electronic funds transfer to redeem rewards to a new (unverified) deposit account. Any gift card must have a minimum value of at least $5.00 to be redeemed.
2. Use Rewards at Amazon.com: For complete details on how to Pay with Rewards at Amazon.com see . Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates. To redeem your rewards at checkout, you must select the ߣ¹ÜÍøÕ¾ Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you may use the ߣ¹ÜÍøÕ¾ Card from which the rewards were applied or an Amazon.com Gift Card to pay for the remainder of your purchase. You may not use a credit card from an issuer other than ߣ¹ÜÍøÕ¾ or another ߣ¹ÜÍøÕ¾ credit card enrolled in Shop with Points in conjunction with the rewards transaction.
3. Use Rewards with Apple Pay:The full dollar amount of the transaction will be charged to your ߣ¹ÜÍøÕ¾ Credit Card and a corresponding credit for the amount of Rewards you choose to redeem will be credited to your ߣ¹ÜÍøÕ¾ Card account as a statement credit that will post to your account within 72 hours. Per your cardmember agreement, you may be charged interest on the purchases that are charged to your credit card. We begin to impose interest charges on purchases from the day we add it to the daily balance. The statement credit applied to your credit card account only covers the redemption amount and does not cover any interest charges that accrue on the purchase. Statement credits may post in a different billing cycle than the corresponding credit card transaction. When using Pay with Rewards, your ߣ¹ÜÍøÕ¾ Card must have an available credit amount equal to, or higher than, the amount of your credit card transaction. Your ߣ¹ÜÍøÕ¾ Card also must have an available Rewards balance. If your available Rewards balance is less than the amount you requested to redeem at the time we process your Rewards redemption, we will process the redemption using your available Rewards balance. All transactions are subject to the merchant’s standard refund and return policies. Pay with Rewards redemptions are final, non-refundable and non-reversible. Redemptions expire if merchants do not authorize on your card within 24 hours of checkout. ߣ¹ÜÍøÕ¾ does not control when merchants choose to authorize. To use Pay with Rewards, you must enroll an eligible ߣ¹ÜÍøÕ¾ Card and accept the Pay with Rewards terms and conditions. To use this feature, you must have an iPhone or iPad updated to the latest software version. Pay with Rewards is only available on eligible ߣ¹ÜÍøÕ¾ Card types. Pay with Rewards is limited to eCommerce transactions conducted online and in-app. Your available Rewards balance and other data may be delayed due to a variety of factors, including internet service. Pay with Rewards is only available to U.S. users. For complete details on how to Pay with Rewards, see link toTerms and Conditions. See Rewards Program Terms and ConditionsÌýfor more information.ÌýFor a list of compatible Apple Pay devices, see . Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
   
4. Use Rewards with PayPal: Paying with rewards using PayPal is not available at all merchants or for all purchases when checking out online or in app. Paying with rewards using PayPal may not be available when paying with the PayPal wallet or when making recurring payments. Paying with rewards using PayPal is not available in-store. PayPal and merchants determine whether paying with rewards is available to use at merchants, and ߣ¹ÜÍøÕ¾ does not make that determination.
   
   For complete details on how to Pay with Rewards with PayPal see . Pay with Rewards with PayPal will be available for eligible credit cards on eligible purchases or rewards can be donated to support a charitable cause with PayPal Giving Fund. To learn more about Pay with Rewards, .
   
   All reward redemptions are subject to ߣ¹ÜÍøվ’s reward program terms.ÌýTo redeem your rewards at checkout, you must select the ߣ¹ÜÍøÕ¾ Card from which you want to redeem rewards. If you do not pay for your full purchase with rewards, you must use the ߣ¹ÜÍøÕ¾ Card from which the rewards were applied to pay for the remainder of your purchase. You may not use a credit card from an issuer other than ߣ¹ÜÍøÕ¾ or another ߣ¹ÜÍøÕ¾ credit card enrolled in Pay with Rewards in conjunction with the rewards transaction.
   
   PayPal, and the PayPal logo are trademarks of PayPal and its Affiliates.

ߣ¹ÜÍøÕ¾ recently merged into Capital One, N.A.. As the companies come together and we work to deliver a common digital experience, content on this page may not apply to some ߣ¹ÜÍøÕ¾ cards. Specifically, if your card is eligible to be managed through the Capital One-branded mobile banking app or website, please login for the benefits and features that apply to your card. If you have questions, please call the number on the back of your card.

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