Cases & Investigations
Capital One Offers Cash Back Rewards Consumer Litigation

On April 27, 2026, Wolf Popper LLP filed an amended class action complaint in federal court against Capital One Bank, N.A., Capital One Shopping Holdings, LLC, and Capital One Financial Corporation concerning the “Capital One Offers” cash-back rewards program. Through Capital One Offers, eligible cardholders are presented with promotional offers for increased cash back or statement credits when they access participating retailers through Capital One’s website or mobile application. The complaint alleges that Capital One promised cardholders they would receive the advertised payouts after completing qualifying purchases, typically within approximately 45 days.
 
The plaintiff alleges that Capital One routinely failed to provide the promised payouts even when cardholders complied with the program’s requirements. The plaintiff, for example, claims that he made purchases from Zappos after activating Capital One Offers promising 6% and 3% cash back, but never received the additional rewards. He also alleges that, on other occasions, Capital One issued missing payouts only after he contacted customer service, leaving customers responsible for identifying and pursuing rewards that should have been credited automatically.
 
The lawsuit alleges that Capital One breached its contractual obligations and the implied covenant of good faith and fair dealing by failing to implement adequate policies and procedures to ensure that qualifying cardholders received the rewards they were promised. The plaintiff seeks to represent a nationwide class of Capital One cardholders who activated qualifying offers and did not receive the corresponding payouts. The action seeks damages, payment of outstanding rewards, and changes to Capital One’s practices to ensure that future payouts are issued as promised.
 
If you used Capital One Offers and did not receive the cash back, miles, or statement credit that was advertised, please contact Wolf Popper LLP today.

• Phone: Philip Black – (212) 451-9628
• Phone: Samuel Coffin – (212) 451-9665
• Phone: Timothy Brennan - (212) 451-9616
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