Name: Capital One
Rating: 4.3

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Karen Shadle

Very unhappy with my last experience. An ad stated that I could apply for a credit card from them with interest rates from 14%-29%. My other card are 7.9% and 12.5%, as I have an excellent credit rating. When I called there was a LONG wait time. Customer service said anyone could apply on line and it would be faster. So, I did, was accepted immediately, BUT THE INTEREST RATE ASSIGNED WAS 28%!!! I couldn't talk to a real person to explain, and there was no way to refuse the card online. I would NEVER accept a card with a rate like that. I called customer service and they said they could do nothing about my rate, because it had been online. Cards came in the mail and I immediately cancelled them. NOBODY I was able to speak with had anything to offer me except the 28% interest rate for their card. Who in heck gets the 15% cards? They also wouldn't tell me that. Maybe it was all a lie and they were handing only high interest rate cards.?? Not doing business with them ever again.

4 years ago

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Brittany Wilkinson Herriman, UT

I have been very happy with my Capitol One credit card. I try not to be late but on that occasional time that I have been late by a day of two, Capitol One has taken great care of me. I have really appreciated their customer service.

4 years ago

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Mark Bellevue, WA

overall, this is a great card. I have been happy with their customer service. I did have one mishap several years back where I paid my balance in full but it posted a day late. As a result, they posted a late fee which I did not know about for a few months. That said, I had a delinquency. I learned about it when I attempted to refinance my house and was told by my loan officer that my credit score dropped a bit. When I called Capital One to explain the situation, they offered no help. This has taught me to always quadruple check my balance to make sure all is paid off in full.

5 years ago

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Nathan P. Minneapolis, MN

By far the best mobile app and online experience I've used compared to 5 other providers. user experience was intuitive, the buttons were easy to press, and they used normal language rather than industry-specific lingo for their products and processes.

5 years ago

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Tanner Cook Gilbert, AZ

Capital one offered me a credit card when I was rebuilding my credit. They’ve been easy to work with to raise my credit limit - and the last time I spoke with client services, they informed me I had a free upgrade on my card available. I didn’t even have to ask! I love my capital one card.

5 years ago

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Sally Lee Santa Ana, CA

I have the Capital One Venture credit card and I haven't had any issues with them. One time, my credit card was used fraudulently and they were quick to update my via text. All I had to do was reply saying that it wasn't authorized by me. The only thing I wish they had was a way for me to complete the fraud report online or on the mobile app. I had to call them to get that completed, although I didn't have to wait long.

6 years ago

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Lesa Burgess Pleasant Grove, UT

If you want to travel more, this is the credit card to own. I feel really safe owning this cards. If you own a Capital One card, it will help you look for any travel that may have been charged so that you receive the proper credit. One of the best decisions I made was getting a Capital One Card... 5 STARS!

6 years ago

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Ameera Alhussein

AMAZING EXPERIENCE! It is not hard to get in touch with customer service. They have an easy to use app you can download to keep an eye on your balance and spending. The app also let's you know what percentage of your credit you have spent and how it can affect your credit.

6 years ago

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Mark Frogley Phoenix, AZ

What's in your wallet? I have more cash now to Capital One! They were recommended by a financial friend and could not be happier with the rewards I receive from them. I can even use points as cash to pay off my balance! Point help not feel so guilty when I travel too. Win, win!

6 years ago

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Kyle Cardwell Riverton, UT

I love my Capital One card. It's accepted everywhere and makes purchases easy. It's great to use it for renting cars when I travel because it Capital One includes insurance at no extra cost. I especially love the 1.5% money back on ALL purchases that I make!

6 years ago

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Isaac Ramirez Belleville, NJ

I love Capital One. When I needed to refinance my car, they were able to help me out without a problem. I had some problems in the past with my credit but after I was able to work them out, I was able to get a new loan through them and they really helped me save money by offering a lower interest rate and not trying to take advantage of me like some other loan companies were.

8 years ago

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C.T. Kerney Belleville, NJ

Anytime I've had questions or comments about my account, someone from Capital One is easily there to help me with my questions or concerns. I have two credit cards and a car loan through them and they are easy to work with. I highly recommend them to anyone who is looking for a new card or credit for an auto loan.

8 years ago

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Amani Patel York, PA

Capital One is by far one of the best credit card companies! I love how trustworthy and reliable they are. They also offer many opportunities for cash back and earning rewards (like Capital One rewards). The incentives make it worth it!

8 months ago

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Bisi Oyewusi Minneapolis, MN

Capital, one has been so awesome with their policies and procedures. I see them as the best so far. However, they need to be more concerned about their customers and see if everything is okay with them before taking customers to court over default. Once more, kudos to Capital one.

9 months ago

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Clar lau

Capital one travel reward card makes me to travel to the desired place. Capital one charges low rates on savings and I have been able to save money on capital one and achieved my goal of buying a car. And for the days I have used the capital one cards, I see no complain instead appreciations.

9 months ago

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Sherry Asher Anaheim, CA

I love Capital One credit cards and they are the only ones I have anymore. They always help when there is a charge I didn't recognize and if it wasn't mine they would get me credited. They also let me know when I make a charge which makes me feel more secure when I use then.

9 months ago

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Presly June Montgomery, AL

I just would like to say this is my favorite credit card ever it's has no limit on cash withdrawal this is the first time ever having a card with a no limit on cash withdrawal. Is Anyone out there are looking for a great dependable reliable credit card my opinion this is the one thanks capital one

10 months ago

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Stanley Turner

Excellent credit provider. I refinanced my car through Capital One and saved hundreds of dollars and after paying off the car was offered a WalMart MasterCard credit card which has helped since inflation has hit. They offered a competitive interest rate and credit limit increases with my rising income. Excellent…

10 months ago

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Chris B Los Angeles, CA

I have Capital One Credit Card and Savings Account. I love it that I receive a test every time my card is used. Makes me very comfortable knowing that I immediately will know if unauthorized users charged anything on my card. Also, they have a great interest rate on my Savings account with them.

10 months ago

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Justin Dube Show Low, AZ

Pretty good cards. Expensive, but good cards. I have carried C-One cards in my wallet now for a decade or longer. I have never had any real problems. During covid I wasn't working steadily and they did ding me for that citing that I was late even though I was on the program they had to defer lates. Otherwise, solid cards that won't reduce your limits at a whim from my experience with them. I would recommend.

11 months ago

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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.

1 year 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.

1 year 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.

2 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.

2 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.

2 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.

2 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.

2 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.

2 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!

2 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.

3 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

3 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

4 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.

4 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.

5 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

5 years ago

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martins timothy

Their rate are good plus their bonus when offered When setting up the account they helped me and it was very easy setting it up They customer service are better

7 months ago

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F.E Dunn

My husband and I have been using capital one for 5+ years. We are throughly pleased with the service they have provided.

4 months ago