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

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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.

Disclaimer

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All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify our review moderation team.


User Reviews

Star Rating

4.3
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305 Reviews

Review Breakdown

5 star
58%
4 star
27%
3 star
6%
2 star
4%
1 star
5%

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Tracy Womack
August 8th, 2019 Cedar City, UT DETAILS
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The Capital One Credit Card is so easy to use especially internationally! They have some of the best customer service, not to mention no international fees! I have had the best experiences with this company and I have suggested this credit card to all my friends.

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Mazi Marcel Womack
July 22nd, 2019 Cedar City, UT DETAILS
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I love my capital one credit card. It is so easy to use and I love that they have no international fees.

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Ms. Nancy
July 16th, 2019 Columbus, IN DETAILS
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Excellent service! VERY pleased, especially when disputing charges, they take care of everything! No hassles, no additional stress. They've been GREAT!!

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Joe
July 10th, 2019 North Hollywood, CA DETAILS
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They always have the best rates and offers in the market. I am so happy you exist. You make the market compatible.

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Iva Welker
July 8th, 2019 Smiths, AL DETAILS
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They delivered on customer and the rewards.

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Melissa Peterson
July 8th, 2019 Montague, MI DETAILS
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Wonderful customer service and services available.

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Betta Bell
June 27th, 2019 Brentwood, CA DETAILS
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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.

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Melissa Cooper
June 27th, 2019 Sandpoint, ID DETAILS
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Great card. Great company. No complaints.

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Debbie Boyd
June 27th, 2019 Penns Grove, NJ DETAILS
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No problems per se. High interest rate that they never offer to lower

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Shanae Boully
June 24th, 2019 Kaysville, UT DETAILS
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I love using my capital one card. The sad thing is the card I have does not have cash back but other than that I love it.

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Jennifer
June 18th, 2019 Gilbert, AZ DETAILS
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Capital one is a great credit card Company. They are my go to when I travel. Love their service and mike points.

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Sierra Beck
June 12th, 2019 Herriman, UT DETAILS
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Have this card now and love the travel miles that I build with it. And it's so so easy to use them.

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Jennifer Smith
June 11th, 2019 Salt Lake City, UT DETAILS
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We love our Capital One credit card. We have used the rewards program to save points towards travel. This company is helpful and eager to answer any questions we might have.

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Eric
June 3rd, 2019 Mapleton, UT DETAILS
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Excellent customer service and the Capital360 App is simple and intiitive! Would reccomend highly!

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Brittany Bray
June 3rd, 2019 Springville, UT

Capital one was my very first credit card when I turned 18. I was told it was the best and still to this day I believe it is. One perk is their website. VERY user friendly!

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Anne Sainsbury
June 3rd, 2019 Payson, UT

About a year ago I applied for the Capital One Rewards Card. After applying I received a response stating that I was not eligible for this card because I had not built up my credit enough. I guess it would have been nice for me to know a bit more about the card before applying for it. I wish that the instructions for applying were easier to understand so that I would have known before that I did not qualify.

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Lori
May 17th, 2019 Salt Lake City, UT DETAILS
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Our Capital One credit card is great. We have the no annual fee card that still comes with benefits so that makes it nice. We have never had any issues using it anywhere and the interest rate is low if we don't pay it off by the end of the month.

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Karrie
May 15th, 2019 Ogden, UT DETAILS
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Capital One is the only credit card we own and we have always really liked it. We can use it anywhere and we slowly build the rewards that are fun to use at times. I would recommend Capital One to anyone looking for a credit card.

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Dean
May 14th, 2019 Ogden, UT DETAILS
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We have 2 Capital One cards and love both of them. The fees are minimal and the rewards are amazing. Even if you lose a card or have a fraudulent charge it is super easy to resolve. I couldn't say enough good things about Capital One. Get a card from them if you don't already.

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Jennifer
May 13th, 2019 Ogden, UT DETAILS
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Capital One is my favorite credit card I own. No annual fee along with great benefits and a low interest rate just in case I don't pay it off in full makes it awesome. If you are looking for 1 card or looking to add another you must get a Capital One card!

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MICHELLE
May 10th, 2019 Mesa, AZ DETAILS
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I am usually really good at paying my bill on time, but one month I simply forgot about it. I called customer service and they saw my history was good and they reversed my fee. I was pleasantly surprised. The man I spoke with was friendly and understood. I also love that I can check my credit through their services

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Reese
May 10th, 2019 Pleasant Grove, UT DETAILS
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My Capital One card has a great rate, is easy to use anywhere, has benefits that I can choose from. It gives me the credit I need and deserve and I can pay it back easily.

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Ashley
May 9th, 2019 Pleasant Grove, UT DETAILS
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I own the Savor Rewards card by capital one. You earn 4% cashback on dining and entertainment. We wanted this card solely for this purpose. I get 8% cash back on tickets at Vivid Seats. The rewards add up fast. I also get a food delivery credit each month!!

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Mark
May 8th, 2019 Bellevue, WA DETAILS
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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.

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Scott Lyle
May 6th, 2019 Gilbert, AZ DETAILS
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Capital One provides awesome service to card holders. Easy to use app, understandable bill statements and trustworthy when it comes to protecting your money. Very well run company.

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Nick Savage
May 2nd, 2019 West Covina, CA DETAILS
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100% Favorable! Every contact and dealing with Capital One has been professional and more than satisfactory.

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Fabiola
May 2nd, 2019 Mesquite, TX DETAILS
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I recently open a credit card with capital one, but I am very happy with the customer service they offer.

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Margaret Rose McEvilly
May 2nd, 2019 Watervliet, MI DETAILS
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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.

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Cynthia andWarren L. Stovell
May 2nd, 2019 DETAILS
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Upon sign-up, spend $3,000 in the 1st three months, and receive a $500 cash cash back reward! Great customer service experience!

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Jim Bowen
May 2nd, 2019 Vero Beach, FL DETAILS
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Interest rates are not competitive; need to lower rates.

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Cathe J Elton
May 2nd, 2019 Terrell, NC DETAILS
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I have no complaints with Capital One. Whenever I've needed help, I've always had excellent customer service

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Charlotte Giles
May 2nd, 2019 Salisbury, NC DETAILS
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Application process was quick and easy. Gave me my credit rating right away.

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paul
February 14th, 2019 Berkeley, CA DETAILS
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Have been a user for many years. Reliable, easy to work with.

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Mickie Johnson
February 13th, 2019 Ogden, UT DETAILS
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I have been with Capital One for several years. They are excellent and have never had a problems with them maybe because I pay my bill on time!!

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Jeff Blackett
February 12th, 2019 Orem, UT DETAILS
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Very reliable credit card with great benefits. I have never had a problem with my Capital One card and with no annual fee it is very affordable to use. I have had great experiences with their customer service department. Overall an awesome card!

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Erika Thorn
February 12th, 2019 Riverton, UT DETAILS
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We have been members of Capital One for a number of years and they are hands down the best credit card out there. We just took our boys on a trip and used our Capital One points. Double the points on every purchase. Can’t beat that.

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Brennan
February 12th, 2019 Orem, UT DETAILS
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I love my Capital One credit card. The rewards are the best I have seen and they are easy to redeem. The website is so easy to use managing your card couldn't be easier. If you are looking for a credit card you owe it to yourself to look into Capital One.

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Brandie Rudy
February 12th, 2019 West Jordan, UT DETAILS
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Great rewards, low interest rates, no annual fee. Everything that is attractive about a credit card. Opportunities to pay off higher interest rate cards as well. I have no complaints about my Capital One card or account.

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Ava Rasmussen
February 12th, 2019 South Jordan, UT DETAILS
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Easy to get approved. Customer service and billing is always quick and friendly. Lost my card and they took great care of me.

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Shannon
February 11th, 2019 Lehi, UT DETAILS
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Customer service and security features are great. The app is very user friendly and using points on whatever your like without an expiration is my favorite feature.

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Brody B
February 7th, 2019 Orem, UT DETAILS
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Best card we have with the best benefits. All around it is a great choice for anyone needing a credit card. Enrollment is easy and their customer portal is awesome. Check them out!

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Alex Nee
February 6th, 2019 Centerville, MA DETAILS
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Aside from one mistake I made, they've been very good. They get back to me fast and have been providing a solid service. Would be nice if some online features didn't lag and were a bit easier to understand... But overall the card has been very good.

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McKinzie Figueroa
February 6th, 2019 Provo, UT DETAILS
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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.

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Madison
February 6th, 2019 Orem, UT DETAILS
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I love the App to this card, I was late but they saw it was my first time so the reversed the late fee. I wish I had more perks or rewards for this card.

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Lindsey B
February 6th, 2019 Orem, UT DETAILS
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I have had a Capital One credit card for many years and have kept it for a reason. The rewards are great compared to other cards and the customer service is always more than helpful! I would recommend Capital One to anyone.

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Nathan P.
February 6th, 2019 Minneapolis, MN DETAILS
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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.

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Ann Bailey
February 6th, 2019 Lehi, UT DETAILS
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The card itself is great, but I feel like their customer service is lacking. I have called multiple times and I feel like their friendliness while on the phone is lacking.

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Cindy Bailey
February 5th, 2019 Lehi, UT DETAILS
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They just switched me over there and so far I like the warnings and alerts. Easy to navigate app

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Stacy
February 5th, 2019 Lehi, UT

Interest rates are a joke so if you rack up a balance it takes forever to pay it down due to interest. Definitely need to pay it off monthly

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Keri Christensen
February 5th, 2019 Lehi, UT DETAILS
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Capital One has been a great credit card. When I forgot about a payment they emailed me a reminder instead of automatically charging me a late fee.