Capital One

7.8

Overall Score

82 User Reviews

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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.

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.

User Reviews

4.3

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  • 8

    Robert E Madden

    December 11th, 2017 San Jose, CA DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    The're accurate & competitive and do what they're supposed to do

    Helpful?
  • 10

    Sonny Dehart

    December 11th, 2017 DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Customer card was good to use and never declined

    Helpful?
  • 10

    Alan

    December 11th, 2017 Hudson, OH DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Excellent service and accuracy . Easy to reach customer service.

    Helpful?
  • 8

    Marilyn Humphries

    December 11th, 2017 San Bernardino, CA DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    intrest rate could be lower and rewards higher

    Helpful?
  • 10

    Mark Lawrence

    December 11th, 2017 Dundalk, MD DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Excellent customer service and high quality products

    Helpful?
  • 10

    Laura

    December 11th, 2017 Clarksboro, NJ DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Great customer service. Gave me a chance to rebuild my credit when no one else would.

    Helpful?
  • 10

    Jim Irwin

    December 11th, 2017 Canton, MI DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Cash back is the best of any card that I use. It is for all purchases.

    Helpful?
  • 10

    William Kyzer

    December 11th, 2017 Hermitage, TN DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Excellent fraud protection; credit monitoring.

    Helpful?
  • 10

    Bruce Knipe

    December 11th, 2017 DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Easy online access and email alerts for every purchase and 1.5% back on everything without a yearly limit on the amount back.

    Helpful?
  • 10

    Thanos Toulopoulos

    December 11th, 2017 Davis, CA DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Useer Friendly and always helpful and immediate response when issues arise

    Helpful?
  • 10

    Lynne Williams

    December 11th, 2017 Hazlet, NJ DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Low interest rate; if you want my opinion don't force me to leave a certain number of characters, take what I give you

    Helpful?
  • 10

    Emerald Scott

    December 5th, 2017 West Jordan, UT DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    I have loved everything about my Capital One Credit card. They are really good at keeping you updated on purchases and even alerted me to when there was a potentially fraudulent purchase on my card which it was! I was able to dispute the purchase easily and get a new card. The 1.5% cash back on all purchases has been a great thing too! I haven't ever had any problems with the company.

    Helpful?
  • 10

    Kyle Cardwell

    November 30th, 2017 Riverton, UT DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    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!

    Helpful?
  • Verified Customer

    6

    Lourdes Rivera

    November 28th, 2017 Wilmington, DE DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Is a good credit card but not as good as others plus they charge a yearly high fee I have asked them to changed it or switch my credit card to another but they keep denied to help me. I really wish I can paid them off.

    Helpful?
  • Verified Customer

    4

    Warrec

    November 28th, 2017 Verona, PA' DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Their interest rate is sky high and if you're a minute late on payment they harass you nonstop. Also, they sell your information to marketing companies.

    Helpful?
  • Verified Customer

    10

    Betty D'Arbeau

    November 28th, 2017 Mt Vernon, NY' DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Gave me a chance to build my credit. Interest rate reasonable.

    Helpful?
  • Verified Customer

    10

    Kate

    November 28th, 2017 Hancock, NH DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Good customer service. Good rewards. Ease of use. Ease of payment.

    Helpful?
  • Verified Customer

    8

    Andre R Golden

    November 28th, 2017 Gilmer, TX DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    No annual fees just wish interest was lower

    Helpful?
  • Verified Customer

    10

    Ricky

    November 28th, 2017 Phelps, WI DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Easy to review acct online and complete monthly payments

    Helpful?
  • Verified Customer

    8

    Becky

    November 28th, 2017 Connersville, IN DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Good relationship with them and have a good history with them

    Helpful?
  • Verified Customer

    10

    Terri Bey

    November 28th, 2017 Lexington, KY' DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Great company. They are very helpful with questions. They have a great app, as well.

    Helpful?
  • Verified Customer

    10

    Robert Peters

    November 28th, 2017 Tampa, FL DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Convenience and technologically advanced website for account management

    Helpful?
  • Verified Customer

    10

    WALTER MCCOY

    November 28th, 2017 Las Vegas, NV' DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Never had any problems , customer service is great

    Helpful?
  • Verified Customer

    10

    Victor Munoz

    November 28th, 2017 Austin, TX DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Because they offer cash back in gas or market spending

    Helpful?
  • Verified Customer

    10

    Anonymous

    November 28th, 2017 Spring, TX DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Capital One is easy to work with. Would recommend to others.

    Helpful?
  • Verified Customer

    10

    EvaM

    November 28th, 2017 Houston, TX DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Excellent customer service when needed was given a credit increase without asking

    Helpful?
  • Verified Customer

    10

    T M

    November 28th, 2017 Studio City, CA DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Clear statements, great customer service, website options, great rewards, concert sponsoring

    Helpful?
  • Verified Customer

    10

    Gordon Nez

    November 20th, 2017 Gallup, NM DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Capital One CC services are very efficient and manage their accounts well! i enjoyed a long relationship with them and they were supportive when my life situation changed for the worst. no job, no income and they stood by me. unfortunately, my life didn't change as fast as i needed it too. i understand what had to happen but i am going to pay them back what they gave me. they game a lot of respect!!

    Helpful?
  • Verified Customer

    4

    DAVID GROSS

    November 20th, 2017 Firth, NE DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    I have been with them over 15years and they refuse to give me a lower interest rate

    Helpful?
  • Verified Customer

    10

    Deborah Dietrich

    November 20th, 2017 Glenwood, NY DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Excellent customer service and attention to details of any issue. Very prompt and you can bypass the automated system and speak with a "real person" in fairly short order.

    Helpful?
  • Verified Customer

    8

    Tania Ochoa

    November 13th, 2017 Palmdale, CA DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Easy to obtain a credit line and if you pay in a timely matter and more then the minimum your credit limit will grow

    Helpful?
  • Verified Customer

    2

    Shena Lally

    November 13th, 2017 Dayton, OH DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    They tell you over thw phone to call back after 1pm est to make a payment. When you call you find you were charged a late fee of $35 because you paid after 1pm. Scandalous.

    Helpful?
  • Verified Customer

    10

    Neil Laumeyer

    November 13th, 2017 Dundee, NY DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Proactive and great service and they always provide timely notices and keeps our privacy

    Helpful?
  • Verified Customer

    10

    Frank

    November 13th, 2017 Orem, UT' DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    They are great to work with and I love the travel rewards.

    Helpful?
  • Verified Customer

    8

    Howard cramer

    November 13th, 2017 Phoenix, AZ' DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Love the card, not to pleased with the annual fee

    Helpful?
  • 10

    David

    October 30th, 2017 Orem, UT DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    It's easy to pay on time, the cashback is pretty decent, and I'm all for zero fees.

    Helpful?
  • Verified Customer

    10

    Monica

    October 16th, 2017 Shelbyville, IN

    I've never had any issues with purchases, billing, online payments, etc..

    Helpful?
  • Verified Customer

    4

    Ron

    October 16th, 2017 Marana, AZ

    They give a 1%cash back but the interest rates are to high.

    Helpful?
  • Verified Customer

    8

    Smith

    October 2nd, 2017 Suitland, MD

    Easy to apply. Good beginning balance and increase with on time payments. Good customer service.

    Helpful?
  • Verified Customer

    10

    Gina

    October 2nd, 2017 Ellenwood, GA

    Excellent customer service and I have never had any issues with my card

    Helpful?