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
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February 21st, 2020 Saratoga Springs, UT DETAILS arrow_drop_down
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Super fast approval process. Balance transfers very easy and customer service is top notch!

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Braylyn Linford

February 21st, 2020 West Valley City, UT DETAILS arrow_drop_down
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We have loved having our capital one card. We love the cash back rewards and notifications of questionable charges. It lets me know they are really watching our account and care about keeping us safe.

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Jessica

February 21st, 2020 Eagle Mountain, UT DETAILS arrow_drop_down
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Capital one offered great intro rates and is easy to navigate the online website.

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JDWain

February 21st, 2020 Tallahassee, FL DETAILS arrow_drop_down
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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!

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Silvia Lobendahn

February 20th, 2020 Orem, UT

I called them to let them know that my identity had been stolen and someone that banks with them has an account with them. Til this day I have no idea if they investigated the issue or not.

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Ron Vincent

February 20th, 2020 Cheyenne, WY DETAILS arrow_drop_down
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We’ve been with capital one for approximately 8 years!! We have LOVED the service we have received during these years! We’ve never had a problem with our cards as far as it being accepted. Never had a problem with it out of the country. Customer has been great also when getting new cards when necessary!!

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Deryl

February 20th, 2020 Managua, MN DETAILS arrow_drop_down
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I love my Capital One credit card. They offer amazing benefits and I highly recommend it.

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Aimee Mortensen

February 19th, 2020 Pleasant Grove, UT DETAILS arrow_drop_down
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I love my capital one card! I can use my rewards for gift cards or get equal cash back. I don’t know many cards that will give equal cash out.

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Nichole Hiatt

February 19th, 2020 Eagle Mountain, UT DETAILS arrow_drop_down
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My Capitol Venture card has great rewards, and the company is great to alert me to any suspicious charges they might see. I like that they are proactive with fraud alert.

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Amy Christian

February 18th, 2020 Sandy, UT DETAILS arrow_drop_down
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Love how easy capital one is to work with. Easy payment options and great service

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Kilee Wagner

February 18th, 2020 Eagle Mountain, UT

Love our capital one. Has great rewards offered and we've benefited from them many times.

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Briauna Norton

February 18th, 2020 Jacksonville, FL DETAILS arrow_drop_down
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I’ve had capital one for about 5 months and after making 5 payments on time my credit line was raised. I love the care that I receive as a customer!

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Justin McMurtrey

February 18th, 2020 South Jordan, UT DETAILS arrow_drop_down
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Capital One credit card was my first credit card. I think the have some of the best rewards programs of any of the credit cards companies.

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Olivia Oswald

February 14th, 2020 Logan, UT DETAILS arrow_drop_down
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I have a Capital One student card and love it. The customer service is so great to work with and always prompt.

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Annie Robbins

February 14th, 2020 Pleasant Grove, UT DETAILS arrow_drop_down
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Easy to use rewards system. Instantly gave me credit when I used my points and was hassle free. We own 3 cards.

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Shirin

February 14th, 2020 Bethesda, MD DETAILS arrow_drop_down
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Excellent customer service. offer great cash back options. I have been a customer for many years.

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David T

February 13th, 2020 Draper, UT DETAILS arrow_drop_down
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I had a Capital One credit card. It was ok. I like the no fees, but the perks weren't as good as some of the other cards.

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Shane Russell

February 13th, 2020 Fort Worth, TX DETAILS arrow_drop_down
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I appreciate the high level of customer service Capital One provides on my 360 savings and 360 checkings.

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Brett Wilson

February 13th, 2020 Saratoga Springs, UT DETAILS arrow_drop_down
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I love the cash back rewards that this company gives. They have great customer service.

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Edith O'Halloran

February 13th, 2020 Englewood, CO DETAILS arrow_drop_down
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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.

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Lori Fletcher

February 13th, 2020 Saratoga Springs, UT DETAILS arrow_drop_down
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Best balance transfer rates and minimal fees. Usually you can get a 15 month zero interest on your first balance transfer. Easy to use mobile app.

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Jillaine Clark

February 10th, 2020 Orem, UT DETAILS arrow_drop_down
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I do love my Capitol One card and the customer service has been great. My only negative is the interest rate is high.

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Janice Genes

February 10th, 2020 Hurricane, UT DETAILS arrow_drop_down
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Have this credit card they the company. Never had an issue when I had to call and cancel the card when finding charges on the card I never charged.

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Nicole Sohm

February 10th, 2020 Herriman, UT DETAILS arrow_drop_down
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I love my Capital One credit card! Capital One offers great incentives for you to sign up for their card. They also give you rewards for how much money you spend.

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Michelle Rios

February 7th, 2020 Ogden, UT DETAILS arrow_drop_down
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We have had a Capital One Visa card for many years. The customer service agents are helpful and knowledgeable. They have been able to answer any questions and correct any errors with ease. We will continue to use this card, as the fees are low and the customer service is great.

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Piper Whitsitt

February 6th, 2020 Long Beach, MS DETAILS arrow_drop_down
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Use there online bank for several years; credit card more recently. Don't really like the phone app but the points are the best.

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Ana LaBorde

February 6th, 2020 Norcross, GA DETAILS arrow_drop_down
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I am happy with my service so far since the Walmart credit card switch to capital one. I like that there are no foreign transaction fees and the app is user-friendly.

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Eddie Rios

February 5th, 2020 Ogden, UT DETAILS arrow_drop_down
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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!

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Beverly Schacher

February 5th, 2020 Long Beach, MS DETAILS arrow_drop_down
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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.

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Angelina Hamilton

February 4th, 2020 Gulfport, MS DETAILS arrow_drop_down
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I really like this credit card! Everything it at my fingers tips. Every transaction I get a notification on my phone so I know what’s being charged. Scheduling payments are a breeze.

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Ezequiel

February 4th, 2020 Gaithersburg, MD DETAILS arrow_drop_down
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The capital one credit card has been a great value for me. The cash back is great. I had some trouble when my wallet was stolen abroad, but capital one made things very easy for me and helped save the vacation.

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Lindsay

February 3rd, 2020 Norcross, GA DETAILS arrow_drop_down
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Capital one has been good in the sense that i used their auto navigator to buy my car. I was able to negotiate on the terms I wanted . I have a credit card through them and they have increased my limit as they saw fit that I could pay.

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Danielle Powell

February 3rd, 2020 Long Beach, MS DETAILS arrow_drop_down
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The rewards on the credit card are nice; however, the late fee is crazy high. Representatives should have more ability to forgive a one time mistake

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Truman_k

January 31st, 2020 Santa Rosa, CA DETAILS arrow_drop_down
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We love our capital one adventure card. We use the air miles and I like the online portal. We will continue to use this credit card

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JamieD

January 30th, 2020 Orange, CA DETAILS arrow_drop_down
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We’ve loved capital one as a company. They offer fun perks and the customer service has been great so far

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chris Francom

January 29th, 2020 Houston, TX DETAILS arrow_drop_down
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Been with CapitalOne for a while. Great customer service and you can set up alerts to let you know anytime your card is charged. This has helped me monitor fraud.

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Cam McClellan

January 29th, 2020 Magna, UT DETAILS arrow_drop_down
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I had a Capital One account for the online savings. It has a high yield which beats regular savings accounts.

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Kayla Roecklein

January 27th, 2020 Long Beach, MS DETAILS arrow_drop_down
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I have a credit card with this bank and the people are cool I would reccomend it

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Karen Hartnack

January 27th, 2020 Norcross, GA DETAILS arrow_drop_down
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I have had this card customer service for issues exceptional I get a live person to talk to lots of perks

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Kiersten Parker

January 22nd, 2020 Jackson, MS DETAILS arrow_drop_down
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I use this company for a lot of my personal purchases and I get points from them and it’s great

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SkylarPickens

January 20th, 2020 Houston, TX

I love Capital One! Best interest rate and never ever charges unnecessary fees! I love them!

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ChanceyParker

January 20th, 2020 Jackson, MS DETAILS arrow_drop_down
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I have an emergency card and they do a great job at increasing the limit when I pay off on schedule.

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Tiffany I

January 15th, 2020 Gaithersburg, MD

Capital One is the best credit card. Easy online system and approval process. Wish I could get more cards with them.

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Zac Cannon

January 14th, 2020 Long Beach, MS DETAILS arrow_drop_down
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The card itself is great and I have a great credit line, but the interest rate is a bit wild. The card does get me out of a financial bind when I need to make an emergency purchase from time to time (gas at the end of the month, food, repairs, etc...).

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Matthew Hall

January 14th, 2020 Moselle, MS DETAILS arrow_drop_down
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Absolutely amazing. Have a great credit score and wonderful services provided by capital one!!!

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Rebecca Harvey

January 13th, 2020 Long Beach, MS DETAILS arrow_drop_down
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First credit card ever approved for and the only one I still use now. Capital one has great customer service and awesome low interest rates.

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Angela Sims

January 10th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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Had this credit card for years and no complaints. Very easy to track payments on app and interest rate isn’t very high.

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Claudina Moreau

January 6th, 2020 Fort Lauderdale, FL DETAILS arrow_drop_down
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Capital one makes it easy to raise up your credit line, help to protect your money, and is also easily accessible.

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Jennifer schwaner

December 31st, 2019 Holtsville, NY DETAILS arrow_drop_down
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Pretty good, 2% cash back on purchases, wish it was more but I use the card often so I get some benefit from that 2%.

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Jacob

December 31st, 2019 American Fork, UT DETAILS arrow_drop_down
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Capital One has some of the best interest rates around. With an easy to use credit card and high security, you know your money is safe.