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Are CapitalOne Shopping Rewards Too Good To Be True?

Almost daily MrConsumer has been receiving seemingly too-good-to-be-true offers from CapitalOne Shopping. Here are four recent ones.

CapitalOne Shopping TurboTax

Since TurboTax Deluxe was on sale at Sam’s Club for $44.99, getting $30 back on that purchase would make the net price only $14.99. That’s an unheard of deal.


CapitalOne Shopping Walgreens

Are they really going to give me $20 of free merchandise at Walgreens? Or is the offer just 20% off?


CapitalOne shopping Dollar Tree

Can you really get a $20 rebate on a $20+ purchase at Dollar Tree? Is it only for these cookies, or on any products?


CapitalOne shopping Shaws $50

Is CapitalOne Shopping really offering $50 off a $50 grocery purchase at Shaw’s supermarkets? The only stated exclusions are subscriptions and gift cards.


To some, CapitalOne Shopping makes it seem like you will get these dollars off on your purchases at these stores. Not so. What they do is let you accumulate “rewards” and then cash them in for e-gift cards (see list) from major retailers. They are not cash rebates nor credits that can be applied to your purchase or credit card balance.

There is absolutely no explanation of these offers in the emails or when you clickthrough to the retailers’ website to take advantage of them. There are some exclusions listed like for tobacco, pharmacy, and gift cards depending on the offer. The only relevant detailed disclosures are in their long terms statement and this link in the emails, but it does not explain specific offers:

*MOUSE PRINT:

CapitalOne Shopping fine print from email

Each offer says “Limit 1 email bonus per user.” Does that mean I can only use each offer once, or that of all the emailed offers I receive, I can only use one of them? Can I use any credit card or do I have to use a CapitalOne card? We asked the PR folks some pointed questions including why there is no explanation of how to participate in these offers in each email and what the real terms are. We got no answer to our multiple requests.

If you like the idea of getting savings in the form of gift cards from their limited selection, then this could be a great deal even if you are only allowed one of their super-duper email offers. (They offer an $80 bonus for new sign-ups with lots of strings, and there are some additional high-value offers on their homepage.)

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Hershey Is Skimping on Reese’s Milk Chocolate and Peanut Butter

The grandson of the inventor of Reese’s Peanut Butter Cups last week called out Hershey for cheapening some newer Reese’s products to no longer include real milk chocolate and real peanut butter. This is a dramatic a change from the decades-old promise of how the product is made (and a good example of skimpflation):

Writing a letter to the brand manager at Hershey’s for various Reese’s products, Brad Reese, asked:

“How does The Hershey Co. continue to position Reese’s as its flagship brand, a symbol of trust, quality and leadership, while quietly replacing the very ingredients (Milk Chocolate + Peanut Butter) that built Reese’s trust in the first place?”

As an example, Reese’s miniature hearts that were marketed this Valentine’s Day, used to be made with real ingredients but now are made with cheaper composite chocolate and peanut butter creme.

*MOUSE PRINT:

Reese's skimpflation

It appears that real peanut butter was not used in last year’s version of the mini-hearts either.

On his Linked-in page, Mr. Reese gave another example of the traditional ingredients missing from revamped Reese’s products:

Reese's mini eggs

He explained:

Today, February 3, 2026, The Hershey Company launched REESE’S Mini Eggs Unwrapped. When a brand like REESE’S built on two ingredients; Milk Chocolate + Peanut Butter, quietly swaps both, that’s not innovation. That’s a breach. And the proof is right on the REESE’S packs shown below.

Front of pack: “Chocolate Candy” and “Peanut Butter Creme.”

Back of pack: Vegetable oils where “Cocoa Butter” once stood. Hydrogenated oils where real “Peanut Butter” once led.

The original Reese’s Peanut Butter Cups have not been changed… yet.

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Google Home Speaker Upgrade Forces You Into a Trial Premium Plan

Google Home Mini Smart SpeakerMany people have Google Home Mini Smart Speakers which allow you to ask questions, set alarms and reminders, and get verbal answers and notifications. These devices are Google’s answer to Alexa.

They were quite the marvel starting in 2016, but as time went on, the voice became less useful, often saying, “sorry, I can’t help with that.” But late last year, Google incorporated Gemini, its AI platform, into the speakers as a free upgrade if you install it. And once you set it up in the Google Home app, you get an amazingly useful desktop tool that knows the answer to almost everything.

During setup, Google pitches Google Home Premium that adds extra features to the speaker beyond the basic free functionality like being able to hold a continuing conversation with the device without having to say the Google wake phrase, “hey Google” or “okay Google” after the initial inquiry. (Note, this advanced feature only works with version 2 or later of the smart speaker.)

But the way they offer this extra service — integrated into the basic setup process via a 30-day free trial — is worthy of a consumer warning. After the free trial is up, they automatically charge your credit card $100 or $10 a month if you fail to cancel. Here is the screen you see on your phone just before you are signed up for both Gemini and the premium free trial.

*MOUSE PRINT:

Google Home Premium acknowledge trial catches

There is no “accept” or “reject” button on that screen. You have to click “acknowledge” in order to finish setting your smart speaker for AI it appears. And that action subscribes you to the pay plan a month later unless you cancel on time.

It seems unfair to seemingly force people to sign up for the free trial when all you may want is the free basic upgrade to Gemini AI. And the way the setup process is presented might even fail to meet all the disclosure requirements for trial offers under the new Massachusetts “Unfair and Deceptive Fees” regulation.

We asked the company why they constructed the switch to Gemini as they did rather than simply allowing people to opt-in or opt-out of the premium plan trial separately from signing up for Gemini. Google provided an initial response which said, in part:

Users are not required to subscribe to Google Home Premium to set up or use their devices. From the screenshot you sent, it appears the user had already accepted the trial offer and was on an acknowledgement page, past the option to skip.

The spokesperson included a screenshot purported to show that just prior to the acknowledgement screen above that both an opt-in and an opt-out choice is presented at the bottom of the screen:

Google Assistant 6 month trial

The problem with that is the screenshot Google provided is for a different product and offer — Gemini Assistant 6-month trial — and not Google Home Premiun’s 30-day trial. Had such a screen been presented in the Gemini for Home setup allowing you to either sign up or reject the free trial, that would have been great. But that screen was not part of the sequence to the best of our memory.

We obtained the actual two screens users see just before they are signed up for the 30-day trial on the acknowledgement page:

Google screens prior to sign up

Since these screenshots were cut off, we asked Google to provide the full screens showing what was at the bottom. Were there only “next” or “continue” buttons (just as the entire setup process had been configured), or were there accept or reject buttons? They did not reply…twice.

Despite all this, because of Gemini’s amazing new abilities, I still encourage Google smart speaker owners to upgrade to Gemini for Home but to keep an eye on the calendar.

As an example of the brilliance of the new system, I had a neighbor ask a semi-complicated question that never would have been answerable in the old system. So she asked whether her flight back to Florida two days hence on JetBlue flight number so and so was on time. In a flash the speaker told her that at the moment it was leaving as scheduled but warned that this flight had a history of cancellations. My neighbor was absolutely blown away. And so was I.

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