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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The Good

  • Variety of Cards
  • Cards for Bad Credit
  • Rewards
  • 0% APR Credit Cards
  • No Foreign Transaction Fee
  • Free Credit Score Check
  • Fraud Safeguards

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.

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% 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 12–15 months.

Consumers with poor to fair credit will not be approved for cards with a 0% 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.

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–$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.

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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513 Reviews

Review Breakdown

5 star
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Myken

March 8th, 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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Toni Hasson

March 7th, 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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myles Ragas

March 7th, 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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FIXITART

March 7th, 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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Eric Gagnard

March 7th, 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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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 4th, 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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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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Hollie Whatcott

March 4th, 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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russbayles

March 3rd, 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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Maryann Renteria (Mckrae)

February 29th, 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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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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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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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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Stacey

February 23rd, 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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Dwhoush

February 23rd, 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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Jeremy Webb

February 22nd, 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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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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Karina Aguilar

February 22nd, 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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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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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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Customer

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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JDWain

February 20th, 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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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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Ron Vincent

February 19th, 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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Greg Hollingshead

February 19th, 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.

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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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lani tuihalamaka

February 18th, 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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Nichole Hiatt

February 17th, 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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Briauna Norton

February 17th, 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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Kilee Wagner

February 16th, 2020 Eagle Mountain, UT

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

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Silvia Lobendahn

February 16th, 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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Justin McMurtrey

February 16th, 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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Amy Christian

February 14th, 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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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 13th, 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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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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Brett Wilson

February 12th, 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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Shane Russell

February 12th, 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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Nicole Sohm

February 9th, 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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Jillaine Clark

February 8th, 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 8th, 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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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.