Name: Capital One
Rating: 4.3

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Selena C. Kansas City, KS

For me, this was one of my best choices I’ve ever made. I needed to build my credit and they gave me a chance, which was awesome! I’ve had a credit card with them for about 6mths and I haven’t asked for an increase yet but I feel like even if I did, they would judge me correctly good or bad! So thank u for them on helping me and I would recommend them!

1 year ago

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Samantha Madero-Craven

Capital One impresses with its innovative approach to banking and credit. Their mobile app is user-friendly, making banking tasks like checking balances and making payments seamless. I appreciate their range of credit card options, offering competitive rewards and interest rates. Their customer service is generally responsive and helpful. For anyone seeking a modern, digital-first banking experience with solid credit card choices, Capital One is a strong contender.

1 year ago

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Arooj Naeem Washington, DC

Capital One has been my trusted financial partner. The user-friendly app, transparent fee structure, and competitive interest rates align with my banking preferences. The credit card rewards program adds value, and Capital One's commitment to digital innovation enhances the overall banking experience. While branch availability is limited, the convenience of online services makes Capital One my go-to choice for banking needs.

1 year ago

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mary martin Bossier City, LA

Love the Cash back rewards and the increase in credit limit in a short period of time due to excellent payment history etc. Also, the reward points are always able to be applied to your bill, which is always how I use my cash back rewards!!! Thanks so much, Capital One, for low interest rates, excellent credit building opportunities, and the power to purchase!!! I thoroughly enjoy the fact that I am able to have credit to use at not just Walmart (where the card was issued through) but anywhere that accepts this credit card! So, what are you waiting for? Get you a Capital One Card TODAY!

1 year ago Edited November 20, 2023

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Cuban Queen Fort Lauderdale, FL

I never had any issues with capital one they have increased my credit line without me asking. I get my cash back rewards and anytime I call them the customer service is great. I have referred my adult children my mom, brother and colleagues and I will continue to refer this company as long as they continue to show me how much they appreciate me as a customer.

1 year ago

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Tina Porter Montgomery, AL

I love my Capital One card. I use it for gas or emergencies. They give you the option to upload your checking account to your card for payments or you apply for their checking account and have payments from there. There is no annual fee. The only downfall is as soon as your balance changes it is instantly posted to your credit report. So, I deal with my credit score going down I use, and my credit score go up when I make my payments. Otherwise, it is a good card to have when you're trying to build your credit.

1 year ago

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Tyrone Walton Atlanta, GA

I began a credit building journey with CapitolOne and it has been awesome and still continuing this day. They also offer great banking services along with credit cards that yield rebates. The customer service department is A1 answering and solving most request with one phone call if you a person that loves a real dialogue. Just about all can be accomplished on the website or mobile app. They will cover you and be watching for fraudulent activity on your account if they detect your routine is out of order. I Love this card

1 year ago

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David Sunnyvale, CA

We are very loyal customers of Capital One. They have a most excellent fraud department, and we appreciate the diligence the company has over credit card security. Our cards have been comprised numerous times time over the past 10 years, and Capital One has always covered unauthorized purchases. Their customer service is stellar, and you can always talk to a live person any hour of the day. Plus, with our Venture card, we get double points which is a great benefit.

1 year ago

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Sherran Nutson Atlanta, GA

I am/have been for 25 plus years a Capital One customer. I have credit cards, saving and checking accounts with Capital One. That's what's in my wallet. Capital One has come a long way and is now one of the top financial companies that I use to do my daily business. Capital One provides me with excellent financial tools and educational materials. I love that their online banking is very user-friendly, accessible 24/7 and accessible via many electronic forms.

1 year ago Edited July 17, 2023

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Cat Metzenbaum Ogden, UT

I've b had both a VISA and MC from Capital One for many years. I appreciate getting cash back and the many ways Capital One offers to redeem those rewards. Capital One has been extremely helpful when I find charges that are not correct. They have been miracle workers for me in getting a refund from a company that did a horrible paint job on my car. Right now I am shopping for a new car. Capital One offers financing plus information on auto dealers that they will finance for. I feel very safe using Capital One.

1 year ago

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Kristi Rice Huntsville, AL

I really like the way this company monitors my credit card activity and contacts me when they see something out of the ordinary. On several occasions my card has been compromised and they caught the unauthorized charges before I even knew it. Twice had a card overnighted to me at no cost to replace the compromised card. Even had this happen while traveling for work - they were able to work it out so that I got the card at the hotel where I was staying and saved the trip.

2 years ago

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Nancy Austria Rowland Heights, CA

Capital one was the first credit card company that accepted my application after becoming a US resident. A lot of other companies did not let me apply for their service because I did not have any credit score. I think Capital one is a great company to get your first credit card, the application process was pretty easy, their apps is easy to use and have a great interface. I am very pleased by their service, I will definitely stay a loyal customer.

2 years ago

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Courtney Martin Tullahoma, TN

I use multiple services that Capital One has to offer. It was very easy to open a checking and savings account online. They have NEVER charged me an overdraft fee! It was also easy to refinance my auto loan, and they are saving me so much on interest and even lowered my monthly payment! I have used Capital One credit card services as well. I have no complaints on their credit services, it was a personal choice not to carry on with credit cards as a whole. Their rewards card was excellent!

2 years ago

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Yvonne Mosley Fayetteville, NC

This is a great business and they provide wonderful service. I have been a customer for approx. 15 years. I started with a very small amount maybe $200-300 when my score was horrible But they helped me to rebuild. They provide regular reviews of credit history for account increases. The app provides recommendations to help improve credit scores. Customer service is always top notch.

2 years ago

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Russell Stence Rochester, NY

I have had a Capital One Mastercard for many years. They give 1.5% cash-back on ALL purchases, which has been great! Their customer service has also been excellent, including the fact that the person on the other end of the line speaks good, very understandable English. They are also good about checking with me if a charge looks questionable in any way. I am a very satisfied, long-term customer!

2 years ago

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Charlotte P Herriman, UT

I have 2 cards from Capital One. I have always made payments on time and over the payment amount so I don't have any experience with late fees or high interest rates. The customer service is great and the ease of using the website is wonderful to. It's very easy to track your spending and pay off your balances while online. The mobile app is very user friendly as well.

3 years ago

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Jennifer Dunlap Kingston, WA

I have never had a problem with my Capital One card. The only issue was the travel perks on my card were kind of hard to use. It jumped from $150 to $350 to $600. So, I had to try to keep my travel as close to those amounts to fully use the benefit. If the cost of the travel was $151, then it would jump you from using 15,000 points to 35,000 points. But there was no annual fee to my card, so that was the tradeoff. Overall, have been pleased but use my other cards more often due to better perks.

3 years ago

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Autumn Lewiston, ID

Capital One is the only credit card company that I have used for the last 20 years. If I ever miss a payment I am able to call and get the late charge removed from my account. If I am ever traveling abroad I always contact Capital One to let them know. They make sure that any purchases made are valid and I always feel at ease when using my Capital One card.

3 years ago

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Barbara Luke Chicago, IL

I have the Capital One Venture card because the sign on bonus was 60,000 miles. I used it exclusively the first year but when I discovered it is not dollar to dollar points to miles, I now use it along with other mileage cards. However, this one is not tied to any specific airline and it's easy to redeem points for any travel expense. Also, I can link it to my other Capital One accounts for easy transfers.

3 years ago

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Joseph Zajac Hazleton, PA

I have had Capital One for about 4 years now. They've given me an above average credit card as it gets cash back under the program called Quicksilver rewards. The reward program spans a wide variety of purchase types. In addition I refinanced my car with Capital One as they gave me the best interest rate and terms in a multi-company search for refinancing. It's nice to have everything combined in one place and I can go to one app and see my balances and payments and make payments etc on both the car and the credit card. They also give you the option of a automatic payment for the car loan which is very convenient and it said on the date that you choose based on your financial structure.

3 years ago

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Robert Rootes Bestselling Author Fredericksburg, VA

We don't use credit cards. They are a sign of the capitalism that began in earnest in the 80s. However, sometimes you need something that is available when it comes to emergencies. We chose Capital One because it had the lowest rates available for their cards. There's no annual fees so when the credit sits at zero, you're not going to pay for something you're not using. When it's needed, its there and when we have to use it, we're not paying more for interest than for the principal.

3 years ago

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Ashley D Tallahassee, FL

Capital One is the first bank I have been with and even though it has been a year, I see myself continuously using this bank. They check my credit score weekly, send me updates about it, have me automatically connected to Zelle so I get money straight to my account, have little events about finance that I gain so much information from, etc. I also really love how much more online based it is. I can deposit a check right through the app! Capital One has made banking easier for a newcomer like myself. I don't really see any faults for this bank!

3 years ago

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G Burt ,

Great experience with Capital One, their processes make setting up new accounts effortless and stress free. The technology they offer to manage those accounts is amazing as well. The only downside to Capital One is the lack of physical branches across the country - wish I would be able to have better options for cashiers checks/cash withdrawals on quick notice.

4 years ago

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David Anderson Providence, UT

I have a personal and a business card with Capital One. I love that they are accessible in the same login, I can transfer money to and from both of them, see balances, etc, but they are separate accounts. I have a venture card and that card pays a ton of money back to me. It is super easy to get the benefits back as cash. I just click the rewards and go in and select a qualified purchase and it will reimburse it as cash right back to my card. For a while I was getting as much as 300 to 400 back every month in cash. Way cool

4 years ago

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Baj5527 Brigham City, UT

We had a Capital One card for a while and still do but haven’t been using it lately. When we were using it, it was the best card. It was giving us points that we could use to make purchases. We got several things that we used as gifts at Christmas time. They had a great customer service department. I remember having to contact them once and they were wonderful. They resolved my issue promptly and corrected it without any issues being left unresolved. We would have stayed except we started using a card tied to Costco that offered benefits tied to purchases there.

4 years ago Edited September 14, 2021

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Barracuda Sterling, IL

They post my payments promptly, they report to the credit bureau correctly. They called about a strange charge on my card to verify it was mine. I started with their $300 limit card after my divorce. After 6 months they bumped me to $1500 then to $3000 then over to one of their cash back cards and raised my limit to $3500. I bought 2 cars with financing through them, better rate than my local bank. What more can you ask for?

4 years ago

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Chris M Duluth, GA

Great company to use for credit cards. They have great customer service and assist with adjusting payments. One criticism is that it depends on the customer service person we talk to, because one month we attempted to change the monthly payment date to mid-month. They wouldn't let us, but a few months later we called again, and it was very simple for them to do. Very strange.

4 years ago

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Brandy Tallahassee, FL

This is once of my favorite credit card companies. Payments are very fast, no more than 2 business days to process (but has always taken 1 business day to process for me unless I played the payment after 3 pm) but great customer service, and they accept people with below-average credit, which gives individuals the change with not so good credit scores to get a better score. My only complaint is that they usually start you off with a lower credit limit, which can be annoying but I'm guessing they do that because they provide most people with below avereage credit a chance

5 years ago

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Val Loudenot Flower Mound, TX

Capital One offers a great customer experience. Any time I've had to call them, they were always very helpful and took care of my issue quickly. I highly recommend this bank as it not only offers better saving rates, but it also thrives on ensuring their clients are happy with the service provided. I don't see myself going back to a brick and mortar bank at this point as I honestly do not see the added value.

5 years ago

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Ellen Morris Potomac, MD

I am loving doing my banking with Capital One! They offered me a checking account with no annual fees and i can get credit cards with them without annual fees and no international fees. I travel quite a bit so this mattered a lot to me when I was searching for a new credit card and associated bank. Their app is also very easy to use and when I have gone into a unit they have ben very helpful and responsive.

5 years ago

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Rischelle Mikkelson American Fork, UT

I really like Capital One. Their mobile app is so easy to use, they have a great fraud detection program. They have quickly caught fraud 3 times. Two times they caught it right when the charge happened and denied the charge. The other, they caught it after 2 transactions and the reversal of charges was so easy and fast. I also like the additional protection on car rentals.

6 years ago

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Kathie Bowman Lakeside, CA

I have a capital one credit card and opened to start building credit. Their customer service is great. I have the app on my phone which makes it very easy to track. I had an experience of fraud on my card and was immediately notified about it. I called them and the lady I talked to was very nice and helped me take care of everything and made sure I was satisfied

6 years ago

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Blankie

These cards have helped me put food on my table buy medicine, clothes and medical items as alcohol, bandages and medical equipment.

7 months ago Edited August 2, 2024

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Ksthryn B

Capitol One froze my parents accounts due to suspicion of fraud when I took over for their finances upon their concomitant medical emergencies. Despite providing POA, parents socials and my fathers ID, they have yet to unblock their accounts. They had the audacity to reprimand my father over the phone while he was in rehab recovering from a stroke for giving me account access. They also forced him to go into a Capitol One on his walker the day after rehab to unfreeze his accounts. They are still frozen. Now its an issue with my mother's account. She is bedridden and would need medical transport to go to their bank in person. All in all, this has been a horrible experience. They do not treat their customers with respect. No sympathy from the fraud team. I am now having to pay all their monthly bills and home services from my personal accounts. My attorney will be contacting them.

9 months ago

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Michelle Kuykendall

Capital One is among one of the best cards you can have for anything you might need from shopping to travel the rewards are good and so is their credibility.

8 months ago

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Francis Adesuyi

It has been a fantastic season with capital one all is easy to access and it’s 100% secured everywhere and overall rating and it helps keep track of my spending so I don’t spend lavishly.

1 year ago

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Sheila Burns Dickson, TN

Capital One was my go to credit card. They have a good reputation and are accepted anywhere. Within a short time, if you use and pay your payments on time, they will up your limit. I am very happy with the service.

1 year ago

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Deborah Borst Hanover, PA

I just received and my first credit card credit Builder through Capital One and they are very helpful and I'm grateful I've never asked or look for one before and now here it is and they've been very beneficial to my financial status I'm grateful

2 years ago

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Chad Edgar Wentzville, MO

Capital One a good bank to have an account with their credit card is amazing as well you can pay after $400 on something another day 30 bucks a month back till it's repaid blessing is here

3 years ago

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Melissa Castillo Baytown, TX

I use Capital One for my small business, and it has helped me with start-up costs. I'm happy with the value I get as a small business owner. Customer service is excellent, and I like the online options available.

3 years ago

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Angela Chesapeake, VA

I have had a capital one credit card for more years than I can truly remember. Compared to other cards, their rate is very low to reasonable. What I love most is their rewards. It can go towards lowering your balance to gift cards.

3 years ago

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Edward & Mary Wilson

Fantastic customer service on every level, from answering questions about possible fradulent activity, to suggesting products. EVERY interaction has been positive and every situation resolved to my satisfaction.

5 years ago

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Brodrick Jones

Outstanding I was approved and card sent right away . The customer service on the phone is great. You are helped very quick and the person on the phone knows there job. Thank you very much for helping me get back on track .

5 years ago

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Michelle Rios Ogden, UT

We have had a Capital One Visa card for many years. The customer service agents are helpful and knowledgeable. They have been able to answer any questions and correct any errors with ease. We will continue to use this card, as the fees are low and the customer service is great.

5 years ago

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Beverly Schacher Long Beach, MS

We have been very satisfied with our Capital One credit card. They don't charge an annual fee, their customer service is good. It let's you get cash advances and is accepted almost everywhere.

5 years ago

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Zac Cannon Long Beach, MS

The card itself is great and I have a great credit line, but the interest rate is a bit wild. The card does get me out of a financial bind when I need to make an emergency purchase from time to time (gas at the end of the month, food, repairs, etc...).

5 years ago

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Tony Riverton, UT

I love my Capital One card...I've had it for roughly four years and the cash back incentives and customer service is unparalleled. They even notify you of suspicious activity.

5 years ago

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Betta Bell Brentwood, CA

Their website is one of the best! Your payments are so easy to take care of with just several clicks...fast and efficient. Also, everything goes thru very quickly...doesn't take days and days to see on your account.

5 years ago

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Margaret Rose Bourlier Watervliet, MI

Capital One has been very good to me. I have had a couple charges that weren't mine and they immediately closed my account and gave me another. The only problem I had was having to wait to get the card in the mail before I could know what the number was.

5 years ago

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McKinzie Figueroa Provo, UT

My favorite thing about my Capital One account is how easy their app is to use. You can do basically anything that you would need to from your app. If you are not big on using apps, the customer service is great when you call in. They are all very well trained and try their best to help.

6 years ago