Capital One

Visit Site

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 10 7.6 Read Review
#2 9.0 9.0 Read Review
#3 8.8 7.0 Read Review
#7 5.6 9.5 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.

4 Capital One Reviews

1. Select Your Rating:

0
0
0
0
0
0
0
0
0
2
2

2. Subject For This Review * (Select all that apply)

0 characters

3. Review Validation*

Best Company

Thanks for submitting your review!

Your review will be moderated by our team within 48 hours and, if approved, will be published. You can see the status of your review within your account at anytime.

Best Company

Thanks for submitting your review!

Next Step: Verify your email

We have sent a verification email to the following email address:

After you verify your email, your review will be moderated by our team within 48 hours and, if approved, will be published

Sort By:
  • User Score

    9

    June 11th, 2017 Salt Lake City, UT

    We've had a Capitol One card for some time now. We appreciate their no annual fee and their sky miles rewards program.

    Was this review helpful?

    0 0
  • User Score

    10

    May 31st, 2017 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.

    Was this review helpful?

    0 0
  • User Score

    9

    September 21st, 2016 Belleville, NJ

    I love Capital One. When I needed to refinance my car, they were able to help me out without a problem. I had some problems in the past with my credit but after I was able to work them out, I was able to get a new loan through them and they really helped me save money by offering a lower interest rate and not trying to take advantage of me like some other loan companies were.

    Was this review helpful?

    0 0
  • User Score

    10

    September 9th, 2016 Belleville, NJ

    Anytime I've had questions or comments about my account, someone from Capital One is easily there to help me with my questions or concerns. I have two credit cards and a car loan through them and they are easy to work with. I highly recommend them to anyone who is looking for a new card or credit for an auto loan.

    Was this review helpful?

    0 0