Capital Bank offers four credit card products in addition to other mobile banking services including checking accounts, savings accounts, mortgage loans, other loans, and wealth management. Capital Bank was founded in 2010, merged with First Tennessee Bank in 2017, and is currently a part of the First Horizon National Corporation family of companies.
None of the Capital Bank Visa cards have annual fees, a unique benefit among credit card companies. Cards and other benefits offered are as follows:
Capital Bank takes measures to protect consumers from fraud by utilizing chip card protection, quick on/off card control, password and firewall protection, 128-bit key SSL encryption, email alerts when log-in info has changed, and a fraud detection team to monitor accounts. The company also educates consumers on the federal laws and regulations in place to protect consumers.
The Capital Bank website as well as the mobile app for Apple and Android gives account holders the ability to manage their money online or on the go and includes these features:
Although the mobile app has several attractive capabilities, reviews on the app store pages indicate that the app could use some more work to make account information more accessible and navigation more user-friendly.
Capital Bank’s top selling point is that it doesn’t charge credit card holders an annual fee. Other perks include fraud protection, double rewards points for the Visa signature, and online digital banking tools. However, if you rely on an app for credit card management, stronger financial apps are available. Luckily, Capital Bank is continually updating the app to respond to customer feedback and enhance the user experience.
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