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8.0

Overall Score

Author: Kaitlyn Short

LAST UPDATED: November 21st, 2024

As the fifth-largest consumer bank and eighth-largest bank overall in the nation, Capital One offers banking services with a focus on helping consumers find financial success with credit cards.

Capital One offers credit cards for all credit levels, making it one of the most popular choices in the industry - no matter if you have bad credit or excellent credit, there are options for you.

Backed by positive customer reviews, getting a credit card with Capital One is a great option for whatever your financial need may be.

Continue reading for pros and cons, and verified Capital One reviews from real customers.

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Customer Review: Matt B. from American Fork, Utah

"I love my Capital One cards. I have several different ones for different rewards. They are accepted everywhere, I can choose which type of card I want and I recently called about my annual fee and they were so friendly and helpful." 

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The Good

  • Variety of Cards
  • Pre-Approval Without Impacting Your Credit
  • Cards for Bad Credit
  • Rewards
  • 0% APR Credit Cards
  • No Foreign Transaction Fee
  • Free Credit Score Check
  • Fraud Safeguards
  • Positive Customer Reviews

Variety of Cards

Capital One offers 19 different types of cards, allowing you to choose the best credit card based on your credit score, rate and fee preferences, and different rewards offerings.

Capital One seeks to provide a credit card option for every consumer. Those who are looking to rebuild credit can apply for a secured credit card, an offering that is not available with every credit card company. Those with excellent credit can choose from various cash back cards, or pick a rewards credit card, offering points or miles on airlines, hotels, or other travel expenses. Capital One also offers store credit cards for those with excellent credit scores.

Each credit card listed on Capital One's website lists the purchase rate, transfer information, annual fee, and credit level required for approval, making it easy to see at a glance what options might be best for you.

Pre-Approval Without Impacting Your Credit

If you'd like to check which cards you qualify for based on your current finances, you can do so without impacting your credit score. 

Cards for Bad Credit

Capital One offers a secured credit card for consumers with bad credit, or those trying to rebuild credit.

Secured cards require a security deposit, which becomes your credit limit. Capital One requires a deposit of $49, $99, or $200 for an initial credit line of $200. This secured card is unique in that the security deposit is refundable, and the customer will be automatically considered for a higher credit line after six months. The card does not have an annual fee, but the APR rate is relatively high, at least compared to regular credit cards, at 26.99 percent variable APR.

Rewards

For the majority of their cards, excluding secured cards used for building credit, Capital One offers attractive rewards to its cardholders.

Rewards vary based on each card. It is important to note that some cards do not allow rewards, including cash back, on all purchases. Some cards, such as the Savor® Rewards and SavorOne® Rewards cards only offer cashback on dining and entertainment. It is important to read all details provided to choose the rewards card that will best fit your needs.

0% APR Credit Cards

Capital One offers credit cards with a 0 percent intro APR, which is not necessarily unique to this card issuer. For those with excellent credit, they can apply for a card that will not require interest rate payment for the first 12 to 15 months.

Consumers with poor to fair credit will not be approved for cards with a 0 percent APR offering, and can generally expect higher rates.

No Foreign Transaction Fee

Capital One does not charge foreign transaction fees, which is a nice benefit for cardholders who travel frequently. Instead, foreign purchases will be automatically converted at the foreign exchange rate at the time of payment processing.

Free Credit Score Check

Through CreditWise® by Capital One, customers can access and view their credit history at no additional cost, and with no ramifications to their credit score.

It is important to note that CreditWise uses a different credit scoring model than the commonly used FICO score model. Both models are based on similar key factors that lenders look at when considering you for a credit offer.

Fraud Safeguards

Customer security is Capital One's top priority. To protect a customer's credit card information, as well as bank account and debit card information, Capital One offers a number of fraud safeguards. Its associates are required to complete security training, and there are systems and protections put in place to protect a customer's personal information, such as their social security number.

If your card is lost or stolen, Capital One has listed phone numbers that you can call for immediate assistance. Upon contacting Capital One, your identity will be verified before account information is discussed or shared.

Positive Customer Reviews

The majority of Capital One reviews are positive with 84 percent of reviews rewarding the company 4 or 5 stars. These positive reviews most often highlight good experiences with customer service, including prompt responses and problem solving. In addition, customers are please with the ease of setting up an account, as well as competitive rates and rewards compared to other credit card issuers.

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Customer Review: Beverly Schacher from Long Beach, Mississippi

"We have been very satisfied with our Capital One credit card. They don't charge an annual fee, their customer service is good. It let's you get cash advances and is accepted almost everywhere."

Of the limited complaints, customers outline being overcharged on fees as well as receiving high interest rates.

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The Bad

  • Annual Fees
  • Late Payment Penalties

Annual Fees

Capital One offers credit cards with no annual fees, but there are various cards that have a required fee. Annual fees range from $39 to $95, which is significantly lower that other card issuers, such as American Express that has some cards with an annual fee of $250.

However, the higher the annual fee, the bigger the rewards that can be offered on that credit card.

Late Payment Penalties

Capital One charges a fee for late payments, which varies depending on the card.

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The Bottom Line

Although Capital One experienced a large data breach in 2019, in which a hacker gained access to over 100 million credit card accounts, including access to personal information, Social Security numbers (Social Insurance numbers for Canadian customers) and bank account information, the company has bounced back, providing trustworthy service and fraud protection.

Capital One offers several great benefits, including a number of rewards programs and competitive APRs. However, the company does have annual fees and late payment penalties in place. If you have bad credit, Capital One has options available in the form of secured credit cards with refundable security deposits, providing an option for building or rebuilding credit.

The majority of Capital One customer reviews are positive, with the majority of customers outlining good experiences with customer service in which they received prompt service, especially in response to fraudulent card activity, which is good to see considering the company's past data breach. 

Keep reading for Capital One credit card reviews.

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Star Rating

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4.3

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1,364 Reviews

Review Breakdown

5 grade

66%

4 grade

18%

3 grade

7%

2 grade

3%

1 grade

6%

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June

Capital One is my credit card of choice. Capital One is a very pleasant company to deal with a problem. Their staff is well educated for problems and very friendly whenever I call them.

3 weeks ago

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Wendy

I love Capital Ones' low interest rate! It will be a card that my daughter will use in the future.

2 weeks ago

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David

I love my capital one credit card. I also have the savings account with capital one, and I see the interest rates they give me every month is great. My credit score is also up because of the capital one. So I am happy to really enjoy this moment. I will definitely recommend a capital one to anyone. Great service! Thank you Capital One

4 months ago

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Karen Jorgensen Washington, UT

Love Capital One! We've been customers for over 20 years! It's been the best card for us to be able to use the points for whatever we want. I've used them for travel, new pots and pans, cash, and lots of other things over the years. I'm happy with their service and the one thing that has been a negative is in the beginning we were able to accumulate points quickly for flights, now they are more comparable to other airline cards in regards to how many points it costs for a ticket. But, I also realize that the cost of the tickets and overall expense of flying has increased in 20 years haha. We have no plans of changing our Capital One card.

5 years ago

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Nancy Spokane, WA

I was approved for Capital One MasterCard. I make all my payments on time. I always check my Capital One App. Just to make sure everything looks okay. Well on the 5th month l checked my Capital One App like I always do. And BAM 💥 I had been given a huge credit increase. My credit score has improved by over 100 points. I still have a ways to go with my credit score. My minimum payment due is less than $30.00 I do pay more than the minimum though. Also at all times make sure you keep enough credit to cover your interest. I keep $15.00 credit at all times on my card to cover the interest. I highly recommend Capital One.

5 years ago

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Jonny Hancock Draper, UT

Capital One will always be in my wallet! I called Capital One's customer service center to discuss what I thought to be an error on my monthly statement. The customer service professional helped me understand my monthly statement and was kind and knowledgable. Never did I feel belittled or judged for my misunderstanding with my statement. Towards the end of my call, I thanked them for helping me and apologized for misreading the statement mentioning, "I just recently got married and I forgot with all of the commotion of the wedding that I bought that." They politely ended the call telling me to call back if I had any more questions. The following week I received a card in the mail addressed to Mr. and Mrs. Hancock from Capital One. Curious, I opened the envelope and found a hand-written note from the customer service representative I had talked to, along with a $50 gift card to Bed Bath and Beyond. The note read, "Congratulations to the young couple, we are sorry this card is late but we hope you have a beautiful marriage." This has stuck with me for over 2 years! Because of this amazing act of kindness I will forever use Capital One's credit card.

7 years ago

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DocSue1 Hollywood, FL

Capital One has an efficient application process which can be completed online with quick turn around time in terms of application to confirmation. The additional benefit comes from the Rewards system which gives you actual cash-back on purchases. When added as an extension, it will immediately scan your cart for available coupons, and this is surprisingly successful each time (even in cases where you have the best price, there will be cash back opportunities). The ease of setting up Autopay adds to the convenience. At no extra cost, their CreditWise option, with the Credit Simulator gives you a way to manage your own financial health, see what potential changes are based on your plans, and will alert you when there has been a change to your Credit Score.

10 months ago

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Francis Adesuyi

It has been a fantastic season with capital one all is easy to access and it’s 100% secured everywhere and overall rating and it helps keep track of my spending so I don’t spend lavishly.

8 months ago

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Verified Customer

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Teria Uzzle Norfolk, VA

Like the app to help me with my balance. The new credit limit is great and easy to apply for. The customer service is great and very helpful friendly staff.

4 years ago

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Willie. Brooks.

The best dang company over all for getting a credit card for the first time are your 10th one,all the same. Customer service is off the chain ,a shout out to that department........for sure

4 months ago

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STEWART ABBOTT

Capital One is my go to card for most things I use a credit card for. They have great reward programs. When I call in for customer service I am always pleased with the help I receive.

5 months ago

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TBear.93

I've had no issues with Capital One as long as I've used them. I got one of their cards a few years ago, and ended up getting a second one not long ago. Their app is easy to use and when I had to contact them about changing my name, they were very helpful and got it done for me.

6 months ago

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Ilene Metrick

I have a capital one card and I love it. If I want to buy something it shows me if I can get it cheaper using my card and going on the capital one site. I like the fact that we can get cash back instead of getting a gc. They have a wonderful customer service. When I call they are very professional and helpful. They answer my questions no matter how many I have

1 year ago

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TOG112 Fayetteville, AR

I have used Capital One QuickSilver as my prime credit card for several years. I have had a couple of disputes with merchants and they have handled these issues quickly and satisfactorily. I appreciate that Capital One provides a good exchange rate for foreign purchases without foreign exchange fee. Originally, I experimented with this card because it had a 1.5% cash reward. Now I have found a card that offers a 2% reward and I will try it. I pay my balance monthly and avoid interest and late fees.

5 years ago

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Harry Reker Maple Shade Township, NJ

I have and use a Capital One card for many years and, by far, they have been the best Company, of many, that I have used. Whenever I had any issue their customer service has been beyond excellent in satisfying my problem in a professional, caring and expeditious manner. I am not a big fan of commercials but Capital One's "Don't leave home without it" slogan rings true for me.

6 years ago

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Branden South San Francisco, CA

The costumer service department as well as the costumer relations department and the all around company as a whole were amazing and knowledgeable and efficient and accommodating, speak to you with more then just a friendly tone but moreso as if you were a family member to them I completely loved having them not only as a credit card provider but in my life all together!!!!

6 years ago

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Emerald Scott West Jordan, UT

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.

7 years ago

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Gordon Nez Gallup, NM

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!!

7 years ago

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Isiah Bullock

Capital One's online banking services are convenient and easy to use. I appreciate the insights provided through their spending tracking tools, which help me manage my finances more effectively. The credit card rewards program offers a variety of options for redemption, and the customer service team is responsive to inquiries. Overall, I'm satisfied with my experience with Capital One.

9 months ago

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LUCINDA L BURGESS Whiting, NJ

ONE OF FEW CREDIT CARD COMPANIES THAT YOU CAN GET REAL ANSWERS, THEY'RE WILLING TO WORK WITH YOU IF YOU CAN'T MAKE AN UPCOMING PAYMENT, NO PRESSURE AT ALL. THEY ALSO RAISED MY CREDIT LIMIT TWICE IN JUST UNDER 3 YEARS HAVING BEGUN WITH A HIGHER LIMIT THAN EXPECTED AS I WAS REBUILDING AFTER A BANKRUPTCY. FROM THERE I WAS OFFERED SEVERAL MORE CREDIT CARDS AS WELL AS LOANS.

10 months ago

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Megan Frump

I absolutely love my Capital One Credit card. I love the amount of points I earn, and I love that I can use them on so many things. I’ve already taken so many trips using my points. I really have nothing negative to say at all. Customer service is always been excellent, the use of the app is excellent. Honestly, I have not run into any cons yet for this credit card. I don’t usually carry a balance on it. I pay it off pretty regularly weekly or monthly so I don’t occur the APR.

11 months ago

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Selena C. Kansas City, KS

For me, this was one of my best choices I’ve ever made. I needed to build my credit and they gave me a chance, which was awesome! I’ve had a credit card with them for about 6mths and I haven’t asked for an increase yet but I feel like even if I did, they would judge me correctly good or bad! So thank u for them on helping me and I would recommend them!

11 months ago

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Samantha Madero-Craven

Capital One impresses with its innovative approach to banking and credit. Their mobile app is user-friendly, making banking tasks like checking balances and making payments seamless. I appreciate their range of credit card options, offering competitive rewards and interest rates. Their customer service is generally responsive and helpful. For anyone seeking a modern, digital-first banking experience with solid credit card choices, Capital One is a strong contender.

11 months ago

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Dawn McCarthy Grand Island, NY

I have less than perfect credit but I am doing my best to improve it. Capital One has been the credit card company that has helped me the most. I currently have 4 cards with their company, 3 of which allow me to earn rewards, which are really generous and super easy to redeem. If you have crappy credit, you know that it is not only difficult to get approved for a credit card but it’s not easy to get a card that offers rewards and has no annual fee. Capital One offers both which is amazing and makes me feel like a semi responsible adult. If you use their app, you can easily see and pay your balance, you can see and redeem your rewards and you can see what they are offing in terms of scoring more in rewards. You can also quickly check your credit score. In some cases, you can redeem your rewards right in check out while you are shopping online. They also have a shopping app that I have just recently downloaded. I will have to get back to you on that, I don’t know enough about it yet to recommend it. Another thing I like is that they gave me limit increases without me asking for them, which is great, because you can see your hard work paying off. I know, this may sound like a commercial or that I may say at the end that I was compensated for my review, but, I promise, I really love this company. If you need to build your credit, this is the company for you!

1 year ago

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Paul Zygerman Charlotte, NC

Aside from their horribly outdated logo I have nothing to complain about with CapOne. They have very good customer service, their cards work as they should, and I've never had an issue. My credit lines have remained solid, even when I was maxing them out for awhile, even when I had some other credit card companies reduce my credit limit. One of the best things is their App and online services. Very good integration with ApplePay. I always get an alert about a charge, etc. The security is great, as I get a message if a charge seems out of ordinary. Oh, and when traveling to Europe, I had no issues with the card not working and didn't have to pay any foreign exchange fees, which some other providers charge...beware! All in all a great experience with a company who seems to care about their customer, unlike many other banks. Oh, and if you have a Capital One Cafe where you live (or while traveling), they serve Peet's Coffee for 50% off, and it makes a great co-working space!

1 year ago

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Vickie Payne Englewood, CO

If you are like me, Covid-19 had a big impact on your life. I was behind in payments for my Capital One card. I hated it, but at the time I really didn't have the money to pay what i owed. It was a little less than $200, but they did call quite a few times but hey that is their job, get back what you lent to you. So finally I decided to call them and explain my situation. I was pleasantly surprised how friendly and considerate they were. They were able to stop all the increases in late payment fees, worked with me to make payments. Even if it would of been $5, they were content. So we set up a plan that I felt I could handle and I couldn't be more happy!

2 years ago

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Kelsey Mclean Knoxville, TN

Most simple and easy credit card company to deal with! Very easy to dispute a charge and the customer service department is very helpful to explain, in detail, why and when to do so! I used my Capital One card on a web purchase from a site I, honestly, was hesitant to order from because it did not appear to be a legitimate website (but I really wanted these shoes). The order never came. I called and was told to wait a week for the 30 day period to lapse because the company had to show proof of tracking after this timeframe. I have been a Capital One card holder for 15+ years and will recommend this company to anyone.

2 years ago

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MM Largo, FL

I have three cards with Capital One, two platinum cards and the Walmart card. I had a couple cards a few years ago. I like capital one because they are more willing to give people with limited or less than perfect credit a chance to obtain and rebuild credit and they favor giving people a second chance. They let you pick your own due date. The cats I have are no annual fee which I really like because most cards charge annual fees. I get cash back rewards on my Wal-Mart card when I ship at Walmart, which I often do so it's a nice perk. When I lost my job a few years ago and couldn't pay my credit card bills, the put my account on hold and did not continue charging late fees and gave me six months to get back on my feet which I really appreciated and they were perfectly willing to work with me and not hassle me. Also, they increase credit line after 6 months and you can also pay your bill, check balance, and request a credit line increase of $100 and get instant approval through the app. Very happy with Cap 1!

2 years ago

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Andrea Thomas Richland, WA

Capital One has many cards to meet each individual needs. I have had two cards due to my changing needs and both have worked great. The downfall is their customer service. I have had multiple calls in and don’t typically get my issue resolved on the first go. This is why they are my backup/emergency cards now. Specifically I had an issue with a payment for a promotion versus being applied to the whole balance. I called prior to make sure I could do what i I wanted and it took almost a month for it to actually be applied correctly even though that earlier call said it would fine/quick. So the cards and rewards are great but customer service is lacking.

2 years ago

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Grace Citrus Heights, CA

I was repairing my credit and started out using secured credit cards. I obtained a secure card from Capital. Very quickly I qualified for an unsecured card, with a low balance. I was invited to a wedding out of town and did not have money for the travel expenses, hotel, food etc. I called Capital in hopes of being given a raise in my credit limit, but did not really expect to be approved for a higher limit. I couldn't be it when I was give a huge increase for my credit limit. I was able to rent a car, get a hotel room, and dine out for the two days I was away. If I had not been given the increased credit limit, I would have had to drive my car over 600 miles, to the wedding and back home on the same day with no rest in-between.

2 years ago

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Devin Cutter Long Beach, CA

I have been a Capital One cardholder since 2014 and quickly became a huge fan of their travel cards because you aren’t limited to using miles on a specific airline or service. Instead, you can redeem your points on any travel related purchase (rental cars, airfare, hotels, public transit, ride shares, etc.) for a credit to your account. I have always treated my credit cards as if they were debit cards, never spend more than I have, and pay in full every month. Learning that most of my bills accept credit card payments became a game changer for my traveling habits. I am able to purchase 2-4 roundtrip tickets every year depending on destination using my points alone. I started out with the Venture One card, which offers 1.25 miles per dollar on every purchase and has no annual fee. Now, I use the Venture card, which offers 2 miles per dollar, has a $95 annual fee, and a $100 credit for Global Entry or TSA pre-check fees. This easily pays for itself. The app is clean and easy to use, and the customer service is always prompt and professional. I have also signed up to receive texts every time a purchase is made, just for peace of mind. This is the #1 credit card I recommend to friends and family. My mom and brother now use Capital One exclusively and love it as much as I do.

4 years ago

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Edith O'Halloran Englewood, CO

I've been a Capital One Customer for over the last 8 years. The have access on line 24/7 has been a great asset. To be able to make a deposit by using my phone has saved me time and money. The assistance that is given for items that I did not want to be charged for can not be beat. The team for fraud are the very best at followup and assisting in resolving the problems. The interest and payback credits are the best that are offered in the industry. I have never been denied service or credit. The company does a very good job of keeping their customers informed about payments and charging activities. I have been notified of any transaction that is out of the regular spending that I do.

4 years ago

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Blankie

These cards have helped me put food on my table buy medicine, clothes and medical items as alcohol, bandages and medical equipment.

4 months ago Edited August 2, 2024

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Ksthryn B

Capitol One froze my parents accounts due to suspicion of fraud when I took over for their finances upon their concomitant medical emergencies. Despite providing POA, parents socials and my fathers ID, they have yet to unblock their accounts. They had the audacity to reprimand my father over the phone while he was in rehab recovering from a stroke for giving me account access. They also forced him to go into a Capitol One on his walker the day after rehab to unfreeze his accounts. They are still frozen. Now its an issue with my mother's account. She is bedridden and would need medical transport to go to their bank in person. All in all, this has been a horrible experience. They do not treat their customers with respect. No sympathy from the fraud team. I am now having to pay all their monthly bills and home services from my personal accounts. My attorney will be contacting them.

6 months ago

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Verified Customer

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Michael M

I think Capital One is great. I use their Venture Card. It's easy to get miles/points. The app is helpful. They notify me of any odd activity. Only card I use.

4 years ago

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Michelle Kuykendall

Capital One is among one of the best cards you can have for anything you might need from shopping to travel the rewards are good and so is their credibility.

4 months ago

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Nora Mosley

Capitol one is a great company and gave us a great rate when we purchased our vehicle. They have a great customer service group and I have never had any issue with Capital one.

8 months ago

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Joseph Faenza Washington, DC

I have been using a capital one credit card for several years now and I have found that for well qualified borrowers they have very good interest rates. Their online app for making credit card payments is also very user friendly.

1 year ago Edited August 7, 2023

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Bee Endicott, NY

Capital One has the best products if you can't or don't want to go to a brick and mortar branch. They can do checking, savings, CD's, and credit cards, all online. They also used to do stock trading, but sadly they closed that part down.

3 years ago

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Mason Allen Pleasant Grove, UT

My Capital One Venture card is great. I like the app and how I get notification receipts. I like that they have expanded what your points can go towards because of difficulties around Covid. I wish they had more actual travel partnerships, especially airlines because that is how I prefer to travel and I can't get much out of my points when it comes to air travel.

3 years ago

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Billy Fuller

Helpful and understanding Reporting to the credit bureau Ontario helping your credit score I've had a couple issues were I wouldn't able to make payment they were able to waive those issues for me very thankful for capital one

4 years ago

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James Quarles

Capital One is incredibly quick to intercept fraudulent charges and work with the cardholder to void the ttansaction. Moreover, the rewards program is generous and the interest rate charged for purchases, while seemingly high, is competitive. A very professional comsumer credit bank.credit

4 years ago

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JDWain Tallahassee, FL

Recently took advantage of one of the Capital One promotions for a credit card where I got 100 dollars back for spending so much in the first 3 months. I also love using capital ones money market account where i can get 2% on my savings account!

4 years ago

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Eddie Rios Ogden, UT

Capital One is one of my best credit card experiences. Capital One offered the best rate and line of credit and offered the best online options. The approval process was quick and billing is very simplified. Can't think of a better bank to work with!

4 years ago

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Karen Shadle

Very unhappy with my last experience. An ad stated that I could apply for a credit card from them with interest rates from 14%-29%. My other card are 7.9% and 12.5%, as I have an excellent credit rating. When I called there was a LONG wait time. Customer service said anyone could apply on line and it would be faster. So, I did, was accepted immediately, BUT THE INTEREST RATE ASSIGNED WAS 28%!!! I couldn't talk to a real person to explain, and there was no way to refuse the card online. I would NEVER accept a card with a rate like that. I called customer service and they said they could do nothing about my rate, because it had been online. Cards came in the mail and I immediately cancelled them. NOBODY I was able to speak with had anything to offer me except the 28% interest rate for their card. Who in heck gets the 15% cards? They also wouldn't tell me that. Maybe it was all a lie and they were handing only high interest rate cards.?? Not doing business with them ever again.

4 years ago

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Brittany Wilkinson Herriman, UT

I have been very happy with my Capitol One credit card. I try not to be late but on that occasional time that I have been late by a day of two, Capitol One has taken great care of me. I have really appreciated their customer service.

5 years ago

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Mark Bellevue, WA

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.

5 years ago

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Nathan P. Minneapolis, MN

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.

5 years ago

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Tanner Cook Gilbert, AZ

Capital one offered me a credit card when I was rebuilding my credit. They’ve been easy to work with to raise my credit limit - and the last time I spoke with client services, they informed me I had a free upgrade on my card available. I didn’t even have to ask! I love my capital one card.

5 years ago

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Sally Lee Santa Ana, CA

I have the Capital One Venture credit card and I haven't had any issues with them. One time, my credit card was used fraudulently and they were quick to update my via text. All I had to do was reply saying that it wasn't authorized by me. The only thing I wish they had was a way for me to complete the fraud report online or on the mobile app. I had to call them to get that completed, although I didn't have to wait long.

6 years ago