Name: Capital One
Rating: 4.3

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glenjennings Dallas, TX

I started using Capital one about 7-10 years ago with the CapitalOne Platinum Credit Card that was designed to help people built credit because they report to all three credit reporting agencies. I set up auto-pay, and used the card for a few subscriptions I had, and for gas once in a while and paid off the balance in full every month. I also had two other credit building credit cards with other companies. My credit did increase while using the CapitalOne card along with the two other cards I had. Eventually CapitalOne sent me a pre-approval letter and offered to give me the CapitalOne Quicksilver card without a hard credit check and I agreed. I had recently got a new bank account shortly afterward that offered a debit cashback reward system and I wanted to be able to pay my credit card using my debit card. CapitalOne used to allow you to pay your bill using a debit card, but they no longer allow it and they said they would submit a request for me to be allowed to do it since they used to in the past. I called back several times over several months to follow up and no one could tell me anything. During that time, when my first credit card bill came after adding my new bank account, my bank account showed that the payment was made, and then reversed and put back into my account. I had never missed a single payment over the several years that I had this credit card and always paid it off in full. They charged me an outrageous late fee and I told them the payment was made from my bank account and then CapitalOne reversed it and put the money back into my account and I told them I could even screenshot it in my transactions and send it to them to prove it to them. I paid the balance off in full the moment I saw it was showing it was late and called them to ask them if they could please waive the late fee since I had never missed a payment in the several years I had been with the company and they said "sorry there's nothing we can do". We all know its a flat out lie. Banks waive late fees for people all the time if they have previous had a good track record. I was completely shocked that after all the years I had been with them, they couldn't even be a little bit understanding, or even try to help me out when it wasn't even my fault that they reversed the transaction. Lastly, the CapitalOne app is horrible. It has this "assistant" called "Eno" or something like that and it doesn't even work. They advertise a feature called digital credit cards that are supposed to allow you to create fake credit card numbers that are connected to your real credit card so when you make online purchases you aren't exposing your real credit card number to data breaches where people can steal your credit card information. It's called a "masked credit card". Its a fantastic idea, but it doesn't work. I called the customer service number dozens of times and never got anywhere. Their customer service people never actually help you with anything, they are "handlers" there to allow you to vent your frustrations, and they tell you they will pass on your complaint to the appropriate people who will review it so you feel heard, but if you ask them when you should expect to hear back from anyone, or how you can follow up on your complaint they can't give you an answer. CapitalOne is not a good company to do business with in my opinion.

1 year ago

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Joelle Kaut (ELLIEk.) Auburn, WA

I have had two of Capital One's credit cards now for a year and have been very satisfied with the user friendly website, paper billing ( at my preference)and ease of reaching a real customer service member without a horrific wait time! My credit is on the mend & they have helped in my endeavor! Thanks!

1 year ago Edited January 18, 2023

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Tandi Contreras Arnold, MO

I actually love capital one. It's one of the top rated company's in my book. I used their credit cards. Everything is so super easy to use and to understand. The approval was fast and easy. I recommend this 10/10

1 year ago

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GeorgieMom Portland, OR

Capital One has always provided fair rates based on my credit score and also offered me the best auto loan rates for a used car, even compared to credit unions. I like their app and especially appreciate the way you are now able to lock your credit card if it gets lost in the sofa and you don't want to fully cancel it while missing.

1 year ago

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Margaret James LA

Not just a credit card company, but so much more. They alert you for everything. I love to be in the know. I depend on the alerts. I do believe my credit line should be increased. Have had no missed or late payments in over a year.

1 year ago

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Donna Parcel La Crosse, WI

I have both a Capital One Card and a Capital One Walmart Card and I am satisfied with both - they're easy to use and are accepted at almost any business and also on the internet.

1 year ago

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Silver Surfer Boston, MA

Great Credit Card to have and if you pay your bills on time they will increase your spending limit,i had Capital one for over 12yrs and i also bought a car off the Capital one Auto car site.

1 year ago

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Gumby Rowland Heights, CA

I have used Capitol One credit cards for many years. I have never had any issues with the company and the customer service has always been very good. They have several good point/rewards plans and bonus sign up deals. Just be sure to keep your balance as low as possible because of high interest rates.

2 years ago

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Stella Wilson Humble, TX

Great card too have they helped you to rebuild your credit and help you to establish your credit score and regain your confidence back trust them to help get you back on track

2 years ago

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Lauren Taylor Austin, TX

Difficult to navigate the website, and customer service also has to transfer me multiple times to different departments. The rewards system is good but not as amazing as other platforms. Could be updated to be more user-friendly and more specific details regarding the CapOne credit cards.

2 years ago

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TheRustyScupper Clermont, FL

We use Capital One credit cards for business purchases. Also use them for international travel. Without effort, we charged in Europe, Australia, Fiji, and Japan. Was never a doubt or problem with any purchase.

2 years ago

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Rick Gore Canton, GA

Great customer service. Even if your credit isn't very good. They will give you an unsecured card, and as your credit score builds. They will up your credit limit. Their fraud department is the best!

2 years ago

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Marisa K Miami, FL

Capital 1 5 STARS FOR SECURITY! if u use their app u can lock ur card when its NOT in use. Simply unlock it when you need to use it. That feature protects card from bein used if were ever lost/stolen.

2 years ago

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shamont mallory

Captital one gives you real time credit updates every 7 days. I love the tips they give you on building your credit score! If you haven't switched to capital one I highly recommend doing that soon.

2 years ago

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Jazz Rock Fusion & Synthesizer Music Wake Forest, NC

We have been customers of this company for decades. In the past you could call them regularly and negotiate the APR and they would 90% of the time lower it. Nowadays that will NEVER happen and they don’t care how long you have been using their service. Thankfully, we pay off our monthly amount in full every month so their high APR doesn’t touch us. My recommended card with the lowest national APR is Simmons First out of Arkansas.

2 years ago

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Christine Poupard Somerdale, NJ

I'm very happy with capital one. Because of this company I was able to purchase a few things that my 14 year old son needed for school. The only problem I'm having is paying my bill. I work 3 days a week and it's very hard to fit it in. But I will because I want to keep capital one and I want to establish good credit with them.

2 years ago

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Casshina Alexander Lewisville, TX

What I like about this company is there stellar customer services, the services that they provide. The company cares and understand what the customer needs and wants at all times.

2 years ago

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Rebekah Cothren Fleetwood, NC

I just got my first Capital One card and I’m super excited. I loaded the app and it is very user friendly and the website is easy to navigate and understand too. Thanks for helping get my credit on track!

2 years ago

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GROW Program Belleville, IL

They’re GROWing to Stay in my Wallet I Love Capital One! Great Customer Service, You Can Always get someone on the phone, they’re Awesomeness Sow Love, GROW Capital One💫💞

2 years ago

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Zoey K. Irvine, CA

I am very pleased with my experience with Capital One they worked with me to get me a good auto loan, they also increased my credit limit on the credit card very easy to interact with

2 years ago

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Kara W Lehighton, PA

Capital One was my first credit card ever. I've never had a problem with Capital One and I still use the card. I like how their website is laid out and it's very easy to use. Making payments is very quick and easy.

2 years ago Edited April 12, 2022

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kendra neace Venice, FL

Capital one was my very 1st credit card and I love everything about them they really help guide you to build better credit. I would highly recommend to anyone looking to build their credit

2 years ago

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Holly Ware Pooler, GA

I have had good experiences with capital one cards the few times that I have had to use them. They have great customer service reps that are very user frirmendly with online help. Overall a proficient company for your card needs.

2 years ago Edited September 7, 2022

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Tychelle Rudolph

Capital One is definitely a good credit card to have. I recommend Capital One for anyone that is trying to have credit, or build their credit. You can do everything from the mobile app and it is very easy to use. Thank you!

2 years ago

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Ashley Stoker Plano, TX

I signed up for a Capital One credit card to rebuild my credit. The interest rate was in-line with other options available to me, and the reporting to the Credit Bureau has helped! Main downside has been very slow customer service- be prepared to spend twice as much time on the phone as you expect.

2 years ago

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Bella Mee Mobile, AL

I enjoyed having a capital one credit card it was my very first credit card and to paying it off was no hassle and there was either no internet rate or very low interest rate and can't remember .

2 years ago

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Daisy's Mom West Bend, WI

I do like using Capital One for business. I do not use it for a personal account currently. The biggest reason I started the account was for the cash back, but I really do like the ease of use for their website for statements and transaction detail as well.

2 years ago

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Shon Scoville Lehi, UT

I have a capital one card for one reason only. The rewards programs that Capital one offers are just better than any other rewards program I can find. They really pay to use their card!

2 years ago

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Lilyjames Hayward, CA

I’ve been using capital one since the second I turned 18 and it’s caused me no troubles. And I’m very pleased with the costumer service and their diligence to focus on their costumers.

2 years ago

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Shirley Freeman Charlottesville, VA

I’ve been very pleased. I do all of my banking online and find their site intuitive and clear, my questions have been answered quickly. I’m certainly going to stick with them

2 years ago

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Andrew Sandy, UT

Great card company that makes it easy to pay your bill and their customer service is top notch. they gave me my first credit card and I still have that account open and love it.

2 years ago Edited January 31, 2022

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Shalon Johnson MS

Great company. APR rate is relatively high but that can be due to my credit score. Website is extremely user friendly. Great company overall. Doesn’t have many perks such as cash back but they do show you your credit score which is nice. I highly recommended

2 years ago

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Moses F. Chandler, AZ

We have used Capital One for many years, we know that when we use are Capital One cars, all our transactions will be safe & secure. Capital One has a Great track record, of Professionalism & Quality of services.

2 years ago Edited January 21, 2022

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Valerie Reed Clementon, NJ

I have two credit cards with Capital One that I've had for over 5yrs. They have a rewards program that I love and great customer service. Capital One makes it east to pay my bill online.

2 years ago

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Joe Leahy Marshfield, MA

The Capital One on line App is probably the best in the credit world.You have instant access to all your account info. The credit tracking free by the way is easy to follow and loaded with great info

2 years ago

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Jonathan Heng CA

I have never had any issues with them directly. Everything goes smoothly when I use their card generally. They also increase credit limit pretty quickly after first signing up which also helps my credit score

2 years ago

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Gavin Jones Columbus, OH

Found the card I got with Capital One to be one of my most used. App is super user friendly and I have had great customer service when a charge was in dispute, where the matter was instantly resolved.

2 years ago

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upnorthwi Bellevue, WA

Credit cards are pretty much all the same, high interest, bad customer service and gimmicks. Capital One is one of my favorites, nice interest rate, good customer service and more important is that they will assist you with a dispute with merchants. I like Capital One, it's in my wallet.

2 years ago

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MGW San Jose, CA

I have 2 Capital One credit cards and have for a rather long time. I'm not sure why I ended up with 2 of them, but they're both equally good. My main reason for using them is when I travel or buy things from other countries. There are no foreign transaction fees. The rewards are good, but not great.

2 years ago

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Lisa Williams Jacksonville, FL

I like that they are able to notify you on upcoming payments. They are easy to get in contact with when you need help and they also help you build on to your credit by offering you deals.

3 years ago

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Emily Guareno Tallahassee, FL

Capital one helps their customers and are so reliable. They help you build your credit and does not have many fees, like many other companies have. There is not much to dislike about them.

3 years ago

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Dave Spokane, WA

I love the rewards program of Capital One. I love the app and the website. Customer service is great. It has been my primary credit card for many years and I don't see that changing.

3 years ago

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Christopher Milke Olney, MD

Great bank to deal with for multiple products, especially credit cards. Great customer service and card flexibility. Commercials can be a little corny, but the products are good.

3 years ago Edited September 14, 2021

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Bethany Rockville, MD

I have been using capital one for the past 20 years and it never disappoints me. In recent years, it added a feature to email me every suspicious or significant withdrawal, which made me feel safe.

3 years ago

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Leonard Thompson Show Low, AZ

This is by far my favorite credit card. The rewards are the highest I have found between other credit card companies. Capital One will be the card that I will most likely continue to use far into the future.

3 years ago

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Stephanie Byrd Miami, FL

Capital one is one of the banks I bank with and while it is an amazing bank, it has its flaws. From personal experience Capital one does not give frequent updates on the status of my account and their mobile banking is quite simplistic. Nonetheless, their customer service is reliable.

3 years ago

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Morgan Huff Phoenix, AZ

Capital One has always had great customer service and reliability when it comes to my credit card. Whenever there is a problem with my card or suspicious activity, Capital One is always there.

3 years ago

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Steve Knight Salt Lake City, UT

I really like to convenience that their website offers. I have three cards with them and I can manage all of them through the same website. The website is very easy to navigate as well.

3 years ago

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Nathan Justis Smithfield, UT

I was using ING.com when it was bought by Capital One and have been fairly pleased with their services, but interest rates have been really on my internet banking account the last many years so I'm not using them much anymore.

4 years ago

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Esmeralda C Sylmar, CA

This was my first credit card. It was the thing that help me start building my credit . I love the app and how it allows me to view my credit score and gives me many helpful tips on how to continue improving my score.

4 years ago