With this perk, one will find considerably more bottle caps in containers than one normally would. Technically, it gives a 10% chance (CapsFortuneFinder global is assigned from 100 to 90) to get either 110-190 or 20-80 extra bottle caps in containers, depending if the container uses CapsChangeFortuneFinder (player level based, former range) or CapsFortuneFinder (random, later range) leveled lists.
You find even more bottle caps in containers, and there is a chance of enemies exploding into a shower of caps when you kill them.
This perk allows caps to be found in random containers such as cabinets, desks, metal cabinets etc. It works similar to the Scrounger perk. If both Fortune Finder and Scrounger are obtained one will find both caps and ammunition in the same containers. If one is the type of player to search extensively through the locations visited then this perk will be a wise investment.
Upon reaching level 4 in Fortune Finder there is a chance with every kill that caps will explode from the enemy killed. Upon death, there is a sound of caps hitting the floor (similar to what can be heard when a game machine lets out coins) and a large animated icon of Vault Boy appears on the screen. One will see a large amount of caps around the body and will need to move over it to collect. One does not have to pick up each individual cap, once the 'pick up/use' key is pressed it will collect them all. The amount of caps dispersed is about 15 to 30. It can be difficult to see the caps and if there is a large battle they can easily be missed.
When Cap Collector's shower of caps event triggers, the sound of a bottlecap mine detonating will play.
(Tested on Xbox One) The level 4 rank of this perk triggers based on the number of successful hits on enemies. This means that using ballistic or energy weapons with low damage but a high rate of fire such as the minigun or Gatling laser will ensure that this perk triggers very often; at about once every 3-5 kills.
When the cap explosion offered by rank 4 of this ability activates, it often has the effect of slowing down the game and reducing frame rates, particularly in the middle of large battles with multiple enemies. This can actually make the final rank more of an annoyance than a help overall, since the number of caps gained from a cap explosion is usually not anything to get excited about.