BeFrugal vs CapitalOne Shopping: Which Cashback Portal Pays More?
Cashback rates from BeFrugal and CapitalOne Shopping, compared across every store both portals cover.
The verdict
BeFrugal — BeFrugal 79.8%, CapitalOne Shopping 15.4%, 4.8% Tied
Who pays more, and how often
| BeFrugal |  CapitalOne Shopping | |
|---|---|---|
| Pays more at | 1252 (79.8%) | 241 (15.4%) |
| Average advantage when ahead | +3.85% | +1.15% |
| Stores with live rates | 3366 | 4727 |
| Only on this portal | 1423 | 2784 |
360 shared stores are left out because one side quotes an "up to" ceiling rather than a guaranteed rate.
14 shared stores are left out because one side pays a flat amount and the other a percentage, with no typical order value held for them.
Top stores where BeFrugal pays more
| Store | BeFrugal | CapitalOne Shopping | Advantage |
|---|---|---|---|
| EaseUS | 35% | 10% | +25% |
| ExpressVPN | 35% | 10% | +25% |
| Kraken | $25 | $2 | +23.00 |
| IMobie | 25% | 6% | +19% |
| Coursera | 20% | 2% | +18% |
| Bare Necessities | 16% | 2% | +14% |
| illesteva | 15% | 1% | +14% |
| Viski | 15% | 1% | +14% |
| MoreLabs | 15% | 2% | +13% |
| Purlisse | 20% | 7.5% | +12.5% |
| Chella | 14% | 2% | +12% |
| Newspapers.com | 16% | 4% | +12% |
| No Nonsense | 16% | 4% | +12% |
| Sigma Beauty | 15% | 3% | +12% |
| Zulily | 15% | 3% | +12% |
Top stores where CapitalOne Shopping pays more
| Store | BeFrugal | CapitalOne Shopping | Advantage |
|---|---|---|---|
| Visible Wireless | $2 | $10 | +8.00 |
| Serta | 1.8% | 6% | +4.2% |
| U Beauty | 1.8% | 6% | +4.2% |
| Weight Watchers | $5 | $9 | +4.00 |
| Beautyrest | 1.8% | 5% | +3.2% |
| ettitude | 3% | 6% | +3% |
| Hickory Farms | 1% | 4% | +3% |
| Nature Made | 3% | 6% | +3% |
| Olivela | 2% | 5% | +3% |
| Magazines.com | 7.2% | 10% | +2.8% |
| OXO | 1.2% | 4% | +2.8% |
| Jared | 0.5% | 3% | +2.5% |
| HUM Nutrition | 1.8% | 4% | +2.2% |
| Shiseido | 1.8% | 4% | +2.2% |
| 100% Pure | 4% | 6% | +2% |
Who wins for which store type
| Category | Stores | BeFrugal | CapitalOne Shopping |
|---|---|---|---|
| Clothing | 153 | 119 | 22 |
| Shoes & Footwear | 122 | 94 | 25 |
| Beauty & Personal Care | 101 | 79 | 17 |
| Women's Clothing | 60 | 49 | 7 |
| Beauty | 58 | 33 | 18 |
| Health & Wellness | 55 | 40 | 10 |
| Electronics | 47 | 35 | 7 |
| Home Decor | 39 | 33 | 5 |
| Jewelry | 35 | 25 | 8 |
| Pet Supplies | 31 | 25 | 4 |
| Sporting Goods | 29 | 24 | 3 |
| Vitamins & Supplements | 27 | 19 | 7 |
| Home & Garden | 24 | 21 | 1 |
| Furniture | 21 | 19 | 1 |
| Eyewear | 20 | 17 | 1 |
| Office Supplies | 17 | 11 | 4 |
| Consumer Electronics | 16 | 13 | 2 |
| Home Improvement | 15 | 9 | 4 |
| Athletic Apparel | 14 | 13 | 1 |
Side by side
| BeFrugal | CapitalOne Shopping | |
|---|---|---|
| Sign-up bonus | $10 | Not published |
| Payment methods | PayPal, Direct deposit, Gift card, Zelle | Not published |
Payout terms as published by each portal. Check the portal's own terms before relying on them.
BeFrugal vs CapitalOne Shopping cashback frequently asked questions
Across the 1,569 stores both portals cover with directly comparable rates, BeFrugal currently pays more at 79.8% of them and CapitalOne Shopping at 15.4%. Which is better for you depends on where you shop - the store tables above break it down.
BeFrugal pays more at 79.8% of shared stores, by 3.85 percentage points on average when it does. CapitalOne Shopping pays more at 15.4%, by 1.15 points. Winning more often and winning by more are not the same thing.
BeFrugal has live rates at 3,366 stores and CapitalOne Shopping at 4,727. But 1,423 are only on BeFrugal and 2,784 only on CapitalOne Shopping, so the wider catalogue is not automatically the better one for the shops you actually use.
Of the 1,943 stores both portals cover, 360 are left out because one side quotes an "up to" ceiling rather than a guaranteed rate, and 14 because one pays a flat amount against a percentage. That leaves 1,569 compared directly.
Yes. Only one cashback portal can be credited for a given purchase, so the usual approach is to keep accounts with both and click through whichever pays more at that store. That is what this page is for.
Rates were last verified September 9, 2026, and this page recomputes when they change.
Methodology
Based on 1569 overlapping stores where both portals quote directly comparable rates. Rates verified September 9, 2026.