Capital One

Capital One

Founded in 1994 in Richmond, Virginia, Capital One offers a number of financial services, including credit cards, banking services, loans, and investments.

Rank Chart Our Score User Score
#1 8.4 7.8 Read Review
#2 8.0 7.3 Read Review
#3 7.7 8.7 Read Review
#7 6.6 8.3 Current

The Good

  • Rewards
  • APRs
  • No Foreign Transaction Fee
  • Free Credit Score
  • Fraud Safeguards

Rewards

Capital One offers attractive rewards to its cardholders. For example, the company offers the Quicksilver card, which gives members every tenth Uber ride for free (up to $15), and the Venture card, which gives members two miles per dollar on all purchases.

APRs

For some of its cards, Capital One offers introductory APRs of 0 percent for the first nine to twelve months. After that, variable APRs range from 12.24 to 24.99 percent*, which is competitive within the industry.

No Foreign Transaction Fee

Capital One does not charge foreign transaction fees, which is a nice benefit for cardholders who travel frequently.

Free Credit Score

Capital One provides its customers with the ability to view and monitor their FICO score at no additional cost.

Fraud Safeguards

Capital One offers a number of fraud safeguards, including putting its associates through security training, putting social security number protections in place, and providing secure electronic funds transfers. Visit Site

The Bad

  • Annual Fees
  • Late Payment Penalties

Annual Fees

Capital One offers a few cards that charge an annual fee of $0. However, after that, annual fees can go up to $59 per year, depending on the card.

Late Payment Penalties

Depending on the card, Capital One charges a fee of $35 to $39 for late payments.

The Bottom Line

Capital One offers several great benefits, including a number of rewards programs, competitive APRs, and fraud safeguards. However, the company does have annual fees and late payment penalties in place.

40 Capital One Reviews

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  • User Score

    5

    September 18th, 2017 Hyattsville, MD

    Slow increases on credit limit; I've always pay them on time, always more than the mimimum, but they're dtill reluctant to raise my limit

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  • User Score

    10

    September 18th, 2017 Prescott Valley, AZ

    Great service in all respects; extends credit limit regularly

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  • User Score

    8

    September 14th, 2017 Smyrna, GA

    It's good but fees are too high. Monthly finance charges are very high. Customer service and app/website are good.

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  • User Score

    1

    September 14th, 2017 Orlando, FL

    Too much interest on the credit card, forty-four percent is legal theft, will never use another credit card from them again

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  • User Score

    9

    September 14th, 2017 Miami, FL

    Good customer service, payment options and facilities

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  • User Score

    9

    September 14th, 2017 Marysville, WA

    Rewards, reports, statement content, search feature, etc.

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  • User Score

    5

    September 14th, 2017 Myrtle Beach, SC

    Extremely high interest rate but good customer service

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  • User Score

    10

    September 14th, 2017 Dora, AL

    Great company for credit cards. Excellent customer service any very easy to deal with. They take care of your problems very quickly.

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  • User Score

    8

    September 14th, 2017

    Efficient and easy to use. I trust them to give me good value and service

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  • User Score

    10

    September 12th, 2017 Miami, FL

    They have a great rewards system, and they gave me a chance to rebuild my credit when no one else would.

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  • User Score

    10

    September 12th, 2017 Miami, FL

    They have a great rewards system, and they gave me a chance to rebuild my credit when no one else would.

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    0 0
  • User Score

    10

    September 12th, 2017 Lexington, KY

    It' s an excellent company, very well organized.

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  • User Score

    10

    September 12th, 2017 Lexington, KY

    It' s an excellent company, very well organized.

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  • User Score

    10

    September 12th, 2017 Fresno, CA

    Great app and easy to use. Plus i can use the card everywhere.

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  • User Score

    10

    September 12th, 2017 Fresno, CA

    Great app and easy to use. Plus i can use the card everywhere.

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  • User Score

    8

    September 12th, 2017 Chicago, IL

    They were willing to work with lower credit scores

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  • User Score

    8

    September 12th, 2017 Chicago, IL

    They were willing to work with lower credit scores

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  • User Score

    9

    September 12th, 2017 Washington, DC

    Never had any issues, everything is pretty straight forward

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  • User Score

    9

    September 12th, 2017 Washington, DC

    Never had any issues, everything is pretty straight forward

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  • User Score

    10

    September 12th, 2017 Buxton, ME

    Because good on line website and very helpfull with problems

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