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, 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.

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.

The Bad

  • Annual Fees
  • Late Payment Penalties

Annual Fees

Capital One offers a few cards that charge an annual fee of $0. However, this rate might only apply to the first year of the card, after which customers can expect a climb in annual rates.

Late Payment Penalties

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

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.

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User Reviews

Star Rating

4.3
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490 Reviews

Review Breakdown

5 star
62%
4 star
22%
3 star
7%
2 star
3%
1 star
6%

Sentiment Criteria

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Don Chambers

March 10th, 2020 DETAILS arrow_drop_down

Pro-active credit reporting, nice rebate, no international exchange fees, 2 factor authentication

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CHARLES W. FROST

March 10th, 2020 DETAILS arrow_drop_down
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excellent professional, lenient, helpful, better loan rates

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Connie dutil

March 10th, 2020

I made a payment I got the confirmation number and they came back to get another payment I know I've got bad credit because of them they don't want to work with you

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Darren Cardwell

March 10th, 2020 DETAILS arrow_drop_down

They are extremely customer friendly as they take great care with customer service issues and all aspects of their user services.

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Claudia

March 10th, 2020 DETAILS arrow_drop_down

Excellent service. Quick in response if they detect a fraudulent use. Easy website and online banking

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Chad

March 10th, 2020 DETAILS arrow_drop_down

When I make a payment I have instant access. They do not just raise your limit to raise it and their ap is very user freindly.

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Allison Minnick

March 10th, 2020 DETAILS arrow_drop_down

The comapny is amazing, they work with you and they are kind

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Fabbian Lopes

March 10th, 2020 DETAILS arrow_drop_down

excellent they always explain what I spend and how much was.

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Trish Greathouse

March 10th, 2020 DETAILS arrow_drop_down

I am a current customer. I dislike the way they figure finance charges, it makes no sense. You pay the card down to 45.00 and you are still paying the following month on over 120.00 of charges. Yet your bill for the month was only 45.00??

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Marilyn Hollingsworth

March 10th, 2020 DETAILS arrow_drop_down

Cannot pay off. They charge interest by the day. You make a payoff payment and they charge interest until they post it. Then, you pay THAT off and they charge AGAIN!

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rene merino

March 10th, 2020 DETAILS arrow_drop_down

Excellent treatment and best experience easy to manage on line

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Puddn Pie

March 10th, 2020 DETAILS arrow_drop_down
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It was a good company until I could not remember my password. Then I was treated ike a criminal had to send my drivers license and still I coul dnot access my account. I finaly went to a branch and c;losed my accounts.

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Rita Gearhart

March 10th, 2020 DETAILS arrow_drop_down
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Hated them. We tried to cancel the ADT because the monthly fees were ridiculous. They. I tuned to add on interest and fees even after we paid the payoff amount they gave us. It took months to get away from that mess.

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Nana in WISCONSIN

March 10th, 2020 DETAILS arrow_drop_down

Great! Easy to use and pretty much most businesses use.

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Matthew Haine

March 10th, 2020 DETAILS arrow_drop_down

Decent company. Account security could be better and the interest rate lower. And they could do a better job of following up promptly on questionable purchases.

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Nancy A DeNault

March 10th, 2020 DETAILS arrow_drop_down

Very good. Love Capitol 1. They work with you on payments

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Norm Risoya

March 10th, 2020 DETAILS arrow_drop_down
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Excellent service. easy to deal with. great app

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Mary Perry

March 10th, 2020 DETAILS arrow_drop_down

I have had great experience with this company. Customer Service is awesome!

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Lewis Larson

March 10th, 2020

User friendly online banking. Very responsive if I have to call on phone.

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Krystal Shannon

March 10th, 2020 DETAILS arrow_drop_down

Hard to work with, will not raise your credit limit no matter how good your credit is

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Lauren

March 10th, 2020 DETAILS arrow_drop_down

Overcharged without contacting me, I opened the card and never used it and then received a bill for over two hundred dollars.

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Kristi LAXTON

March 10th, 2020 DETAILS arrow_drop_down

Love them. Great customer service and they work with me on lowering my interest rate.e.

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Josh

March 10th, 2020 DETAILS arrow_drop_down

Honest, just pay attention to detail. The company is up front not trying to trick you into debt. Good rewards when used correctly

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Joe Martino

March 10th, 2020 DETAILS arrow_drop_down

Excellent customer service and prompt feedback excellent fraud alert

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Keron Grey

March 10th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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I love my Cap card so much, I get a notification of EVERY purchase and I love being able to track that.

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Brandy

March 10th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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This is once of my favorite credit card companies. Payments are very fast, no more than 2 business days to process (but has always taken 1 business day to process for me unless I played the payment after 3 pm) but great customer service, and they accept people with below-average credit, which gives individuals the change with not so good credit scores to get a better score. My only complaint is that they usually start you off with a lower credit limit, which can be annoying but I'm guessing they do that because they provide most people with below avereage credit a chance

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Jasmin Ortega

March 10th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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Capital One is a very trust bank to be apart of. I got my first credit card from capital one and i think it is great. It alerts me when I have to pay, it alerts me when I have made a purchase and is very easy going about increasing line credit and credit scores have never been easier to track.

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FIXITART

March 9th, 2020 West Jordan, UT DETAILS arrow_drop_down
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I am am not one to have credit cards due to fears of extra fees. I have Capitol one card thru Cabelas. It has been very easy to pay my bill online and is most secure when doing so.

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myles Ragas

March 9th, 2020 Houston, TX DETAILS arrow_drop_down
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I lost my card while on vacation and I was easily able to report it to capital one.

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Myken

March 9th, 2020 Cheyenne, WY DETAILS arrow_drop_down
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Great card with awesome perks! Customer service is excellent every time I need to talk to someone.

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Eric Gagnard

March 9th, 2020 Dallas, TX

Recently lost my debit card and received a replacement in a timely manner. Fast acting money transfer. Highly recommend

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Toni Hasson

March 8th, 2020 Salem, UT DETAILS arrow_drop_down
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I’ve been impressed with capital one the entire time I’ve had the credit card. I earn cash back. Winning!

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cb

March 6th, 2020 Thibodaux, LA DETAILS arrow_drop_down
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I've been with this bank since I was in high school and have never encountered a problem. The APR is very low and very user friendly app!

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jkenny90

March 5th, 2020 , TX DETAILS arrow_drop_down
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I love my Quicksilver card from capital one with the 1.5% cash back and no fees. Very easy to make payments through the website.

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russbayles

March 5th, 2020 West Valley City, UT DETAILS arrow_drop_down
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Had a Capital One adventure card. Rates are ok and I think they could use better rewards but never really had many problems. Switched to a card with flying miles.

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Hollie Whatcott

March 5th, 2020 Riverton, UT DETAILS arrow_drop_down
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Love my capital one cash back rewards! Such a great credit card and with really good rewards!

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Danisalaz

March 4th, 2020 Corpus Christi, TX DETAILS arrow_drop_down
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By far one of the best banks ever! If you are looking to keep money in your bank for a long period, this bank pays an amazing interest! You are also able to link it to your various accounts and do lots of money transfers in between which makes life easier!

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Maryann Renteria (Mckrae)

March 2nd, 2020 Phoenix, AZ

I enjoyed my card when I had it through Capital One! Never any problems and good customer service!

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Linda Lender

February 27th, 2020 Orem, UT DETAILS arrow_drop_down
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I have had a capital one card for years. They have good service. They also have products got those with low credit scores.

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Nick Hansen

February 27th, 2020 Eagle Mountain, UT DETAILS arrow_drop_down
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Love the marketing campaigns on TV from Jennifer Garner to Taylor Swift, but don't love the high interest rates.

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Mary Haring

February 26th, 2020 Sandy, UT DETAILS arrow_drop_down
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Good card, very accommodating and easy to get a higher amount Lots if perks. Good card.

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Karina Aguilar

February 25th, 2020 Managua, MN DETAILS arrow_drop_down
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I have great a credit score and good amount fi money but they did not approve me for a credit card

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Stacey

February 25th, 2020 Price, UT DETAILS arrow_drop_down
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I have had a capital one card for over a year now and i love it. I just wish my APR could be lower, I may jus have to call. Overall not a bad card.

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Jeremy Webb

February 25th, 2020 Covington, LA DETAILS arrow_drop_down
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Terrible banking company. I use bill pay and my bills are NEVER paid on time. If I pay a bill it will take 2-3 weeks to process. They have caused me so much late fees it is not even funny. Not to mention their terrible credit card plans. Will not be going back to this bank!

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Dwhoush

February 25th, 2020 Slidell, LA DETAILS arrow_drop_down
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To be honest, my capital one Quicksilver card doesn’t impress me at call. It’s hard to build up points compared to other companies.

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Benjamin LeBlanc

February 22nd, 2020 Dallas, TX DETAILS arrow_drop_down
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So far in my four years of using capital one I have yet to have a complaint about them so far the customer service has been smooth and my experience has been smooth as well.

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Alexa Pitre

February 22nd, 2020 Baton Rouge, LA DETAILS arrow_drop_down
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The GOAT of banks. Love them. Their app is very user friendly. They’re very reliable and love them.

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DeeDee G.

February 21st, 2020 Laplace, LA DETAILS arrow_drop_down
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The only issue I have is that the money card cant be hooked up to venmo like the regular card can.

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lani tuihalamaka

February 21st, 2020 Cheyenne, WY DETAILS arrow_drop_down
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best credit cards I've had. Love the app very easy to use for payments and keeping up with everything.

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Greg Hollingshead

February 21st, 2020 Huntsville, AL DETAILS arrow_drop_down
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Love my capital one car. The points are awesome, one of the best APR rates out there.