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Can You Get Cash Back with a Capital One Credit Card?
July 1, 2025
Quick Answer
You cannot get cash back with a Capital One credit card; instead, you can withdraw funds as a cash advance, which is a distinct transaction that incurs immediate fees and interest.
Should You Get Cash Back At Capital One With A Credit Card?
Let's weigh the advantages and disadvantages of this option for getting cash.
Benefits
- Conveniently get cash during checkout, saving a trip to the ATM.
- Access cash when a bank or in-network ATM is not readily available.
- Offers a secure way to obtain cash without visiting a separate location.
Costs
- The transaction is treated as a cash advance, which typically incurs an immediate fee.
- Cash advances are often subject to a higher Annual Percentage Rate (APR) than standard purchases.
- Interest begins to accrue instantly, as cash advances do not have a grace period.
- The amount you can withdraw is limited by your card's specific cash advance limit.
How to Get Cash Back At Capital One With A Credit Card
Maximizing your Capital One cash back is straightforward. By choosing the right card and understanding the redemption process, you can easily turn everyday spending into valuable rewards. Here’s how.
- Select a card that aligns with your spending. Capital One offers various cash back cards, each with different reward rates. Using a resource like the Kudos Explore Cards tool can help you compare options and find the best fit.
- Use your card for purchases. Once you have your card, use it for daily expenses. Every eligible purchase earns a percentage back in cash rewards, which accumulate automatically in your account.
- Monitor your cash back balance. You can easily track your rewards by logging into your Capital One online account or using their mobile app. Your balance is typically updated after each billing cycle.
- Choose your redemption method. Capital One offers flexible options. You can redeem your cash back for a statement credit, request a check, or apply it toward recent purchases, depending on your card's terms.
Impact On Your Credit Score
Using a Capital One cash back credit card can influence your credit score in several ways. Here are a few key factors to keep in mind before you apply and start spending.
- Hard Inquiry. When you apply for a new card, Capital One performs a hard inquiry on your credit report. This can cause a temporary, minor dip in your credit score for a short period.
- Credit Utilization Ratio. This ratio measures your used credit against your total available credit, and it's a major scoring factor. Aim to keep your balance low to maintain a healthy credit utilization.
- Payment History. Consistently making on-time payments is one of the most important factors for a good credit score. Late payments can significantly damage your credit history and lower your score.
Alternative Ways To Get Cash Back At Capital One
Use a Capital One 360 Checking Account
One straightforward alternative is to use your Capital One 360 Checking debit card. When making a purchase at many retailers, like grocery or department stores, you can select the "cash back" option at the point of sale. This allows you to withdraw cash directly from your checking account without any fees, effectively bypassing the need for an ATM or a credit card cash advance.
Leverage Capital One Offers
Another method is to take advantage of Capital One Offers linked to your debit card. This program automatically applies cash back rewards when you shop at participating stores, restaurants, and services. While this doesn't provide immediate physical cash, the earned rewards are credited to your account, which you can then withdraw. It’s a passive way to accumulate cash back on everyday spending.
Choose the Right Card to Get Cash Back At Capital One
Finding the right Capital One card to maximize your cash back doesn't have to be a guessing game. The Kudos Explore Tool helps you sift through thousands of options to find the best card for your needs. Its preference-matching feature aligns your goals—like earning rewards or avoiding fees—with the perfect card, ensuring you make a choice that truly pays off.
If you want to get the most from your credit cards, Kudos is the essential free tool for online shopping. We are also giving you $20 back after your first eligible purchase—just sign-up for free with code “GET20” and buy from a Boost merchant.
Frequently Asked Questions
What's the maximum cash back I can get at checkout?
The limit varies by store, but typically ranges from $100 to $300 per transaction. Check with the retailer.
Are there fees for getting cash back with a Capital One card?
Capital One doesn't charge a fee, but the merchant might. Ask the cashier before completing your purchase.
Does getting cash back count as a cash advance?
No, cash back at the register is processed as part of your purchase, not a separate cash advance transaction.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
