If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.
Capital One Shopping is the only coupon-rewards app I use. Downloading the free extension has earned me $40 in four months, mostly through sign-up bonuses. My favorite part is you can earn while shopping as usual, no need to shop through a clunky portal. I'll cover when the popular shopping app can save you money, and where it falls short.
Capital One Shopping is a free web browser tool that finds you the best online coupons and prices. Formerly known as Wikibuy, it was purchased by Capital One and rebranded as Capital One Shopping.
The web application searches over 30,000 online retailers to find the best deals. To use Capital One Shopping, download the browser extension (available on Google Chrome, Mozilla Firefox, Microsoft Edge, and Safari) or download the mobile app, available for iOS and Android.
Then, the app can save you money in three ways:
There's no fee to use or install Capital One Shopping. Instead, you give it access to your browsing data. If you're OK with trading data for deals, then it's worth the exchange.
Unlock personalized deals by shopping online as normal, but with the Capital One Shopping extension installed. Personalized deals show you products you viewed and offer you shopping credits for buying them. Think 6% back on a UNIQLO shirt you passed over last week.
The Capital One Shopping extension will show you available coupon codes that could save you money. If you allow it, the extension will attempt to apply all the codes automatically.
You can earn shopping credits through Capital One Shopping. When you visit affiliated retailer websites, you can earn a percentage of your purchase in shopping credits. You can redeem them for gift cards to popular retailers.
Make sure you're getting the best account for you by comparing savings rates and promotions. Here are some of our favorite high-yield savings accounts to consider.
| Account | APY | Bonus | Next Steps |
|---|---|---|---|
Open Account for SoFi Checking and Savings
On SoFi's Secure Website. 
4.90/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
up to 3.80%
Rate info
Earn up to 3.80% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Min. to earn: $0
|
Earn $50 or $400 and +0.70% Boost on Savings APY with direct deposit. Terms apply.
Earn up to 3.80% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC. |
Open Account for SoFi Checking and Savings
On SoFi's Secure Website. |
Open Account for EverBank Bank High-Yield Savings Account from Raisin
On Raisin's Secure Website. |
4.15%
Rate info
Earn a guaranteed 4.15% APY for 90 days. After that, your savings keep growing at a competitive standard rate -- currently 3.95% APY (subject to change). No minimum account balance required. Deposit or withdraw at any time with no additional fees.
Min. to earn: $1
|
Earn up to $1,200 when you sign up and fund your account using code SUMMER26.¹
|
Open Account for EverBank Bank High-Yield Savings Account from Raisin
On Raisin's Secure Website. |
Open Account for CIT Platinum Savings
On CIT's Secure Website.
4.80/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
up to 4.10%*
Rate info
4.10%* APY for balances of $5,000 or more; otherwise, 0.60%* APY
Min. to earn: $5,000
|
Earn up to 4.10% APY with promo code CITBoost
With the 6 month Boost limited-time offer, you earn 4.10%* APY on balances over $5,000 (balances less than $5,000 earn 0.60%* APY). After the boost is complete you will continue to earn standard rates -- 3.75% APY for balances over $5,000 (balances less than $5,000 earn 0.25% APY). The minimum to open a Platinum Savings account is $100. Member FDIC. No monthly service fees. |
Open Account for CIT Platinum Savings
On CIT's Secure Website. |
Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of July 1, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.
* Platinum Savings APY Boost Promotion Terms and Conditions
This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.
Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.
The Promotion begins on February 13, 2026, and ends August 31, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6- month period outlined in the terms and conditions.
The promotion can end at any time without notice.
CIT General Disclosure
For complete list of account details and fees, see our Personal Account disclosures.
¹New customers only. Earn a cash bonus (the "Base Bonus") when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Base Bonus of $50 for depositing between $10,000 and $24,999; $125 for depositing between $25,000 and $49,999; $250 for depositing between $50,000 and $99,999; $500 for depositing between $100,000 and $199,999; and $1,000 for depositing $200,000 or more.
Customers may earn an additional bonus by setting up a recurring deposit within 14 days of their initial deposit (the “Recurring Deposit Bonus”). To qualify, the recurring deposit must be established within 14 days of the initial deposit date and it must execute at least two (2) times within 90-days of the initial deposit. Recurring Deposit Bonus eligibility is determined by your Base Bonus tier:
Customers are eligible to earn the Recurring Deposit Bonus associated with their Base Bonus tier or any lower Recurring Deposit Bonus tier. For example, a customer with an initial deposit of $200,000 (qualifying for the highest Base Bonus tier) whose aggregate recurring deposits total $500, is eligible for the lower tier and will receive the $50 Recurring Deposit Bonus. However, setting up a recurring deposit greater than your Base Bonus tier's required threshold will not qualify you for a higher Recurring Deposit Bonus.
The Recurring Deposit Bonus is paid in addition to the Base Bonus. To qualify for the Base Bonus and Recurring Deposit Bonus, your first deposit must be initiated between June 1, 2026, and August 31, 2026, by 11:59 PM ET, and the promo code SUMMER26 must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for the Base Bonus. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.
All rewards are shopping credits.
If Capital One says you get $60 back on a product, it means you get $60 back you can apply to gift cards through the rewards portal. Kind of misleading, but there you have it. Don't expect cold, hard cash deposited into your checking account.
Capital One Shopping often offers coupon codes that fail to apply.
For example, if the code is for 10% off your order of $50 or more, it won't work if you only have $40 worth of goods in your shopping cart. There are also times when you might run into expired coupon codes. I've had the extension promise me $1 on DoorDash purchases, only to check the app later and find out the rewards were deemed as "invalid." Whomp whomp.
App pop-ups can make shopping more unpleasant.
You'll see Capital One Shopping pop up anywhere that sells merchandise online. Sometimes, you're just window shopping online and don't want extra pop-ups on your screen. It slows things down, and for what? Well, the money, that's what. But it's not always about that.
Capital One Shopping is free to use, regardless of whether you're a Capital One credit card or banking customer. You can download and use the app and web extension for free anytime. Sometimes, Capital One Shopping even pays you for downloading it. I earned $10 for adding the mobile extension and $30 just for signing up.
The Capital One Shopping app has strong mobile reviews, with caveats. Many reviewers confuse the shopping app for Capital One's other services. A fair bit seems spammy, too. The most relevant reviews cite not earning promised payouts, and not actually earning anything through the app.
Capital One Shopping offers a mobile app, a desktop platform, and a browser extension. I use the extension, only navigating to the app and the desktop platform to check rewards (and occasionally, personalized deals).
Capital One Shopping offer screen. Image source: Capital One Shopping, captured by author.
Capital One Shopping stats screen. Image source: Capital One Shopping, captured by author.
Capital One Shopping is reasonably safe to use. It doesn't ask you to provide sensitive information, and you can log in with your Google or Capital One account. It does collect a lot of data for its own use, but it doesn't let partners use that data to market their products to you.
If you want an app that earns cash back: Rakuten is a money-saving app that helps you earn cash back for online purchases. Depending on your rewards preference, you may want to stick with Capital One Shopping and redeem rewards for gift cards.
If you want an app that rewards in-person shopping: Fetch is another app that earns rewards, but includes in-person shopping at physical stores. The app lets you scan store receipts and e-receipts to earn valuable rewards you can redeem for gift cards and more. But if you don't shop in person much, Capital One Shopping may be a better choice.
No. Capital One Shopping is available to everyone, including those who don’t have a Capital One credit card or bank account. You can use it by simply downloading the browser extension or the mobile app.
Capital One Shopping is a free browser extension that searches for coupon codes and allows you to earn rewards while shopping online. You can also use the Capital One Shopping website to search for the best deals available.
Most rewards will become available within 30 to 90 days of making a purchase to account for returns, cancellations, adjustments, and exclusions. Travel-related rewards may take up to 90 days after the travel has been completed to post to your account.
Motley Fool Stock Disclosures
Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Cole Tretheway has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Alphabet, Amazon, Fetch, Microsoft, Target, and Walmart. The Motley Fool recommends the following options: long January 2026 $395 calls on Microsoft and short January 2026 $405 calls on Microsoft. The Motley Fool has a disclosure policy.
