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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4 star
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3 star
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Sierra Beck

June 12th, 2019 Herriman, UT DETAILS arrow_drop_down
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Have this card now and love the travel miles that I build with it. And it's so so easy to use them.

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Jennifer Smith

June 11th, 2019 Salt Lake City, UT DETAILS arrow_drop_down
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We love our Capital One credit card. We have used the rewards program to save points towards travel. This company is helpful and eager to answer any questions we might have.

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Eric

June 3rd, 2019 Mapleton, UT DETAILS arrow_drop_down
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Excellent customer service and the Capital360 App is simple and intiitive! Would reccomend highly!

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Brittany Bray

June 3rd, 2019 Springville, UT

Capital one was my very first credit card when I turned 18. I was told it was the best and still to this day I believe it is. One perk is their website. VERY user friendly!

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Anne Sainsbury

June 3rd, 2019 Payson, UT

About a year ago I applied for the Capital One Rewards Card. After applying I received a response stating that I was not eligible for this card because I had not built up my credit enough. I guess it would have been nice for me to know a bit more about the card before applying for it. I wish that the instructions for applying were easier to understand so that I would have known before that I did not qualify.

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Lori

May 17th, 2019 Salt Lake City, UT DETAILS arrow_drop_down
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Our Capital One credit card is great. We have the no annual fee card that still comes with benefits so that makes it nice. We have never had any issues using it anywhere and the interest rate is low if we don't pay it off by the end of the month.

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Karrie

May 15th, 2019 Ogden, UT DETAILS arrow_drop_down
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Capital One is the only credit card we own and we have always really liked it. We can use it anywhere and we slowly build the rewards that are fun to use at times. I would recommend Capital One to anyone looking for a credit card.

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Dean

May 14th, 2019 Ogden, UT DETAILS arrow_drop_down
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We have 2 Capital One cards and love both of them. The fees are minimal and the rewards are amazing. Even if you lose a card or have a fraudulent charge it is super easy to resolve. I couldn't say enough good things about Capital One. Get a card from them if you don't already.

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Jennifer

May 13th, 2019 Ogden, UT DETAILS arrow_drop_down
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Capital One is my favorite credit card I own. No annual fee along with great benefits and a low interest rate just in case I don't pay it off in full makes it awesome. If you are looking for 1 card or looking to add another you must get a Capital One card!

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MICHELLE

May 10th, 2019 Mesa, AZ DETAILS arrow_drop_down
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I am usually really good at paying my bill on time, but one month I simply forgot about it. I called customer service and they saw my history was good and they reversed my fee. I was pleasantly surprised. The man I spoke with was friendly and understood. I also love that I can check my credit through their services

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Reese

May 10th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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My Capital One card has a great rate, is easy to use anywhere, has benefits that I can choose from. It gives me the credit I need and deserve and I can pay it back easily.

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Ashley

May 9th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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I own the Savor Rewards card by capital one. You earn 4% cashback on dining and entertainment. We wanted this card solely for this purpose. I get 8% cash back on tickets at Vivid Seats. The rewards add up fast. I also get a food delivery credit each month!!

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Mark

May 8th, 2019 Bellevue, WA DETAILS arrow_drop_down
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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.

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Scott Lyle

May 6th, 2019 Gilbert, AZ DETAILS arrow_drop_down
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Capital One provides awesome service to card holders. Easy to use app, understandable bill statements and trustworthy when it comes to protecting your money. Very well run company.

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Nick Savage

May 2nd, 2019 West Covina, CA DETAILS arrow_drop_down
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100% Favorable! Every contact and dealing with Capital One has been professional and more than satisfactory.

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Fabiola

May 2nd, 2019 Mesquite, TX DETAILS arrow_drop_down
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I recently open a credit card with capital one, but I am very happy with the customer service they offer.

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Margaret Rose Bourlier

May 2nd, 2019 Watervliet, MI DETAILS arrow_drop_down
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Capital One has been very good to me. I have had a couple charges that weren't mine and they immediately closed my account and gave me another. The only problem I had was having to wait to get the card in the mail before I could know what the number was.

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Cynthia and Warren L. Stovell

May 2nd, 2019 DETAILS arrow_drop_down
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Upon sign-up, spend $3,000 in the 1st three months, and receive a $500 cash cash back reward! Great customer service experience!

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Jim Bowen

May 2nd, 2019 Vero Beach, FL DETAILS arrow_drop_down
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Interest rates are not competitive; need to lower rates.

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Cathe J Elton

May 2nd, 2019 Terrell, NC DETAILS arrow_drop_down
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I have no complaints with Capital One. Whenever I've needed help, I've always had excellent customer service

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Charlotte Giles

May 2nd, 2019 Salisbury, NC DETAILS arrow_drop_down
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Application process was quick and easy. Gave me my credit rating right away.

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paul psoinos

February 14th, 2019 Berkeley, CA DETAILS arrow_drop_down
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Have been a user for many years. Reliable, easy to work with.

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Mickie Johnson

February 13th, 2019 Ogden, UT DETAILS arrow_drop_down
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I have been with Capital One for several years. They are excellent and have never had a problems with them maybe because I pay my bill on time!!

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Jeff B

February 12th, 2019 Orem, UT DETAILS arrow_drop_down
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Very reliable credit card with great benefits. I have never had a problem with my Capital One card and with no annual fee it is very affordable to use. I have had great experiences with their customer service department. Overall an awesome card!

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Erika Thorn

February 12th, 2019 Riverton, UT DETAILS arrow_drop_down
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We have been members of Capital One for a number of years and they are hands down the best credit card out there. We just took our boys on a trip and used our Capital One points. Double the points on every purchase. Can’t beat that.

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Brennan

February 12th, 2019 Orem, UT DETAILS arrow_drop_down
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I love my Capital One credit card. The rewards are the best I have seen and they are easy to redeem. The website is so easy to use managing your card couldn't be easier. If you are looking for a credit card you owe it to yourself to look into Capital One.

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Brandie Rudy

February 12th, 2019 West Jordan, UT DETAILS arrow_drop_down
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Great rewards, low interest rates, no annual fee. Everything that is attractive about a credit card. Opportunities to pay off higher interest rate cards as well. I have no complaints about my Capital One card or account.

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Ava Rasmussen

February 12th, 2019 South Jordan, UT DETAILS arrow_drop_down
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Easy to get approved. Customer service and billing is always quick and friendly. Lost my card and they took great care of me.

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Shannon

February 11th, 2019 Lehi, UT DETAILS arrow_drop_down
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Customer service and security features are great. The app is very user friendly and using points on whatever your like without an expiration is my favorite feature.

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Brody B

February 7th, 2019 Orem, UT DETAILS arrow_drop_down
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Best card we have with the best benefits. All around it is a great choice for anyone needing a credit card. Enrollment is easy and their customer portal is awesome. Check them out!

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Alex Nee

February 6th, 2019 Centerville, MA DETAILS arrow_drop_down
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Aside from one mistake I made, they've been very good. They get back to me fast and have been providing a solid service. Would be nice if some online features didn't lag and were a bit easier to understand... But overall the card has been very good.

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McKinzie Figueroa

February 6th, 2019 Provo, UT DETAILS arrow_drop_down
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My favorite thing about my Capital One account is how easy their app is to use. You can do basically anything that you would need to from your app. If you are not big on using apps, the customer service is great when you call in. They are all very well trained and try their best to help.

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Madison

February 6th, 2019 Orem, UT DETAILS arrow_drop_down
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I love the App to this card, I was late but they saw it was my first time so the reversed the late fee. I wish I had more perks or rewards for this card.

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Lindsey B

February 6th, 2019 Orem, UT DETAILS arrow_drop_down
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I have had a Capital One credit card for many years and have kept it for a reason. The rewards are great compared to other cards and the customer service is always more than helpful! I would recommend Capital One to anyone.

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Nathan P.

February 6th, 2019 Minneapolis, MN DETAILS arrow_drop_down
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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.

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Ann Bailey

February 6th, 2019 Lehi, UT DETAILS arrow_drop_down
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The card itself is great, but I feel like their customer service is lacking. I have called multiple times and I feel like their friendliness while on the phone is lacking.

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Cindy Bailey

February 5th, 2019 Lehi, UT DETAILS arrow_drop_down
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They just switched me over there and so far I like the warnings and alerts. Easy to navigate app

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Stacy

February 5th, 2019 Lehi, UT

Interest rates are a joke so if you rack up a balance it takes forever to pay it down due to interest. Definitely need to pay it off monthly

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Keri Christensen

February 5th, 2019 Lehi, UT DETAILS arrow_drop_down
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Capital One has been a great credit card. When I forgot about a payment they emailed me a reminder instead of automatically charging me a late fee.

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Emma Olson

February 5th, 2019 Lehi, UT DETAILS arrow_drop_down
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I have had a capital one credit car for almost a year and I haven’t had any problems. The app is easy to manage and makes it easy to keep up with payments. I would recommend capital one credit cards to everyone.

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August Moulton

February 5th, 2019 Lehi, UT

Capital One has an impressive product and I love their rewards program. Customer service has been helpful with every situation.

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nathan brewer

February 1st, 2019 Lehi, UT DETAILS arrow_drop_down
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I was upset when I learned my Cabelas credit card was switching to Capital One, but after using it for the last couple of months I have found it to be very easy to use the card and the website.

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Tanner Cook

December 17th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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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.

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Jorden Laird

December 11th, 2018 Front Royal, VA DETAILS arrow_drop_down
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one of the first cards I got after my bankruptcy - high interest rates but thats to be expected. helping me rebuild credit

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Darius Williams

December 11th, 2018 Alexandria, VA DETAILS arrow_drop_down
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i have had capital one for the past 4 years. great customer support when i need to call in

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edward reese

December 6th, 2018 Hyattsville, MD DETAILS arrow_drop_down
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capitol one has a lot of cards with multiple perks but my particular card doesnt provide any additional limit increases and wont switch out the card.

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Dee Farquharson

December 6th, 2018 Washington, DC DETAILS arrow_drop_down
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They are my second credit card company but DEFINITELY MY FAVORITE! Making payments is soeasy, the app is easy to use and make payments. Also, they increased my limit just from making payments on time. My other credit card doesnt have as high an interest rate with a higher limit, but its not a big deal .just an observation

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Mia Hernandez

December 6th, 2018 Tempe, AZ DETAILS arrow_drop_down
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capital one was my 1st credit card and to be honest i love it its helped me alot and my monthly payments are manageable i would recommend this as a first time user credit card

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Shawn

December 5th, 2018 American Fork, UT DETAILS arrow_drop_down
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We like our capital one credit card. It seems to pay back good rates and simple statements to use and see what’s happened during the month. They are always good at protecting our security if there’s ever an issue or something suspicious on our account.

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jessica

December 5th, 2018 Mesa, AZ DETAILS arrow_drop_down
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I really like Capitol One they have great customer service and the do not charge an annual fee which I appreciate. I would highly recommend them.