Interesting Cap 1 Benefit - up to $50 MyFICO Credit

[A Credit Ed]

I haven't seen this on CB before, forgive me if this is a repeat.

 

Out of boredom I went looking through the "Credits for Shopping" on the Cap 1 website.  5% here, 10% there, nothing very special at all.  Until I got to the square for MyFICO.  $50 statement credit for any MyFICO subscription!  I think I will subscribe to the Premier at $39 and cancel before the end of the first month

 

 

Here's a cut/paste of the T&C:

 

To earn credit, click the button above and complete your purchase using your Capital One credit card in the browser that opens. Purchases made through a merchant’s app will not qualify for the rebate.
Credits by Categories
Purchases of subscriptions - $50.00
3-Bureau Credit Report - $5.00
1-Bureau Credit Report - $2.50

Offer Details and Exclusions
Merchant details
To earn the rebate you must make an eligible purchase at myfico.com. Only available for new customers on their first subscription billing cycle. To earn the rebate, you must be a Capital One credit cardholder, logged in to your account on capitalone.com or the Capital One Mobile app, and pay for a qualifying purchase using an eligible Capital One credit card.

How to receive the rebate
You will receive your rebate as a statement credit to your Capital One credit card account within 3 billing cycles. In no event will a statement credit be applied to a Capital One checking or savings account. Your credit card account must be open and in good standing at the time the rebate is awarded to receive your statement credit. In the event you have more than one Capital One credit card, we may apply the statement credit to any active credit card account that is open and in good standing. This offer is valid for consumer, non-commercial use only.

What is a qualifying purchase?
To make a qualifying purchase, you must click the button above, and then complete a purchase at the selected merchant’s site, in the window opened by the Capital One Offers tile, within 24 hours, using your eligible Capital One credit card. Offer is not valid by any other method.

Use of other coupons, cash back, or promotional websites after selecting an offer and before making a purchase will invalidate your offer. Offer is not valid in-person or by telephone, and in-store pickup does not constitute a qualifying purchase. Purchases made without first being redirected by a Capital One Offers tile are not qualifying purchases.

How is the rebate calculated?
Rebate is calculated using the subtotal amount of your eligible purchase, which excludes taxes, shipping, credits, and other fees. A statement credit earned through this offer is in addition to any rewards regularly earned with your card. If you return or cancel an otherwise qualifying purchase, you are not eligible for a statement credit.

Read the complete Capital One Offers terms and conditions.

Disclaimer
By clicking the button above you are agreeing to leave the capitaloneoffers.com website or the Capital One Mobile app and to be redirected to the selected merchant's website. Capital One is not responsible for the terms and content or the privacy and security policies of other websites and mobile applications. If you have selected Spanish as your preferred language experience in your Capital One online preferences, we cannot guarantee that the third party site to which you are being directed will offer a Spanish experience.

 

[creditcaper1]

thank you for posting this.  I will take advantage of this offer.

[hdporter]

Upon reading the header, I was hoping for a break on an upcoming renewal of my and Bev's myFICO TU quarterly monitoring (legacy $49.95/yr product).  Obviously no such luck

[Wander907]

Wow that looks expensive for a year (39.95X12).  Wonder if they are really any better then Experian, Equifax or anyone else at the identity theft monitoring part? I feel like I freeze all my reports around the holidays anyway and already have monitoring through Equifax, and IDX so not sure how much this will add.  

[cv91915]

14 hours ago, Wander907 said:

Wow that looks expensive for a year (39.95X12).  Wonder if they are really any better then Experian, Equifax or anyone else at the identity theft monitoring part? I feel like I freeze all my reports around the holidays anyway and already have monitoring through Equifax, and IDX so not sure how much this will add.  

 

It isn't worth anywhere near that.  It's a novelty for a month or two.

[creditcaper1]

7 hours ago, cv91915 said:

 

It isn't worth anywhere near that.  It's a novelty for a month or two.

I agree with this 100%.  It's not worth this price at all.  Especially when there are way so many was to get your reports for free and most people can get their FICO scores from their credit card companies.  American Express will give you a credit report even if you aren't a customer of theirs.

Edited July 13, 2021 by creditcaper1

[cv91915]

On 7/9/2021 at 11:57 AM, A Credit Ed said:

Out of boredom I went looking through the "Credits for Shopping" on the Cap 1 website.  

 

 

I'm dying to know what you ordered from HSN.   

[creditcaper1]

I just got an email from Capital One that they recognized my purchase from myFICO and that I will get the credit within 3 billing cycles.  It sucks that it takes so long to receive the credit but I must say I like the fact that they emailed me recognizing the transaction.

[cv91915]

5 hours ago, creditcaper1 said:

I just got an email from Capital One that they recognized my purchase from myFICO and that I will get the credit within 3 billing cycles.  It sucks that it takes so long to receive the credit but I must say I like the fact that they emailed me recognizing the transaction.

 

I haven't used any of the Capital One offers yet, but Amex Offers have similar language and those credits normally post in a week or less.

 

If you think of it, would you mind reporting back how long it actually takes?   

 

Example from Amex:

 

[creditcaper1]

4 hours ago, cv91915 said:

 

I haven't used any of the Capital One offers yet, but Amex Offers have similar language and those credits normally post in a week or less.

 

If you think of it, would you mind reporting back how long it actually takes?   

 

Example from Amex:

 

Sure, I will post here once the credit posts to my account.

[creditcaper1]

has anyone received this credit yet?

[cv91915]

On 9/10/2021 at 11:25 AM, creditcaper1 said:

has anyone received this credit yet?

 

I've used a different Capital One offer four times (8/13, 8/27 [x2] and 9/7) and haven't gotten credited for any of them yet.

 

The terms do say that it may take 90 days, but I'm not going to try this again until at least the credit for the oldest transaction finally posts.

 

I'll keep watching and report back if I ever shake a nickel out of Capital One.  

 

 

 

 

Edited September 12, 2021 by cv91915

[cv91915]

On 9/10/2021 at 2:25 PM, creditcaper1 said:

has anyone received this credit yet?

 

I also have my QS registered with Dosh, and I received the benefit of their Viator offer for the same purchases.

 

Merchant: Viator

Credit Amount: $43.00

 

Merchant: Viator

Credit Amount: $21.53

Edited October 16, 2021 by cv91915

[creditcaper1]

It's been 5 months and I still haven't received a credit from Capital One.  I called them and after getting a rep that had no idea what I was talking about, I was transferred to someone else and they manually credited my account.  

[cv91915]

I used the Viator offer (15% back) on my QuickSilver again this week, and I'll report back when the credits post.

 

I made two purchases, but I'm only expecting one to track.

 

Longer version:

 

I made the first purchase by clicking through from Capital One, and that one should track. 

 

When I tried a second purchase, the price I was getting was higher than I'd seen the day before (by ~$120 per person).  I don't think this was related to acting on the Capital One offer, as I could no longer replicate the price I had seen the day before on another device where I hadn't visited Capital One at all.

 

By some miracle I still had an open tab in a browser on that "other" device with the "old" price, and I was able to check out successfully.  

 

I intentionally made the "rogue" purchase after the one that I knew should track, in case by some accident of the universe I'll end up being credited for both.

 

 

Edited December 8, 2021 by cv91915