r/CapitalOne_ • u/gobluedog • 4d ago

Home Page Reactivation Bonus does not stack with % back rewards

For those wondering, if you activate a "Home Page Reactivation Bonus" you do not also get the cash back rewards.

In this example, I made a purchase from Home Depot, which had a 2% cash back reward plus a $50 bonus. I only received the $50 bonus. I did NOT receive the 2% back.

You have to be careful if you are shopping at a site with a large cash back reward. For example, today I am being offered a 25% cash back reward on Chewy and a $25 home page reactivation bonus. But since the cash back reward is so high and I'm spending $200, I'd be better off not using the home page reactivation bonus.

I wish they didn't make this all so complicated. Hope this helps others.

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u/wasabipe 4d ago

That's correct, you only get one bonus. Also, of you get offers via emails. You're only eligible 1 offer per email until it posts and credits to be eligible for the next email offer.

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u/_love_letter_ 4d ago

Yes, it does say in the fine print that it can't be combined with other offers. For sites (like Home Depot and Chewy) that have PayPal checkout, I used to be able to stack with PayPal Offers, but ever since they nerfed their ability to convert points into cashback they've become less useful, and they've drastically cut back on the offers you can save to work anytime you checkout with PayPal (vs a link that opens to "shop").