Name: Capital One
Rating: 4.3

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BKM Woodbury, GA

when a customer has hard ships and has to use the credit limit, as long as payments are made on time, i feel like the credit card company should help reduce the balance through lower interest rates. Customers will still continue to use their services.

6 years ago

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Jesse Gomez Los Angeles, CA

very helpful. capital one was there to help me re-build my credit, but unfortunately, I am back to financial hardship with an earning "cap" at current employment.

6 years ago

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Bonnie Dry Ridge, KY'

Low interest rates with low monthly payments. There trustworthy and make it very easy to get informed about what's happening with your account at all times.

7 years ago

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Deborah Dietrich Glenwood, NY

Excellent customer service and attention to details of any issue. Very prompt and you can bypass the automated system and speak with a "real person" in fairly short order.

7 years ago

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bnjfrancis1 Allen Park, MI

Have several Capital one credit cards that are used frequently. App is great and convenient and watch my credit score through credit wise. Great experience with Capital One!

9 months ago

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SJ BURNEY Dayton, OH

Company is very easy to work with with fair terms and great customer service. We use capital one shopping and also have a vehicle loan with Capital One. LOVE THEM

10 months ago

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Joanna Aguirre San Diego, CA

Out of all the credit cards I have had , Capital One is by far the most understanding and will do thier best to work with you when you are having finacial issues

11 months ago

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Sharon Las Vegas, NV

I have had an account with Capital One for many years and have experienced 5 star customer service on every call with the end results a positive interaction.

11 months ago

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Linda Selzer Boston, MA

I know I was stupid and some of this is my fault, but Capital One really duped me and I am sure they are not the only credit card company that does this. I was offered a credit card quite a while ago with a nice large credit line and zero APR to begin with, I should’ve realized that was too good to be true. They said I would not be charged any interest for the first 15 months and I took that at its face value. I did not realize that once the 15 months were over the 15 months worth of interest, would then be charged to me in one lump sum . My minimum payment went from $140-$523 overnight. I think this is a common practice in the credit industry and so I wouldn’t say it is just capital one but I would say be careful whenever you get a new credit card .

11 months ago

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Nora Mosley

Capitol one is a great company and gave us a great rate when we purchased our vehicle. They have a great customer service group and I have never had any issue with Capital one.

8 months ago

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Shellyjean Baltimore, MD

Love this company. I have 3 of their cards. I love the rewards, and that I have a choice of how to receive them. I can get actual cash back. I can see my credit score. I love their shopping rewards program, too.

11 months ago

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Andrea Luke (Andrea L) Montreal, QC

I love Capital One. I love that they are customer friendly. They offer different types of cards which gives their customers many options. I used their online coupons to save me money.

1 year ago

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David Hall Salt Lake City, UT

Their website and app are both easy to use. I do pay a high interest rate though. I now have a high credit score and asked them to lower my rate. They said no. That kind of made me mad. But it's okay, I just don't use their card anymore.

1 year ago

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Kelsey T.L. Lansing, MI

Capital One was my first credit card, and I'll always appreciate the positive experience they provided. Their customer service was exceptional, and their user-friendly approach made managing my account a breeze.

1 year ago

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Stephanie Ponce Hemet, CA

Great starter credit card for anyone looking to build their credit. It is what has help me. Approval odds for bad credit vary. If you have not history with them your chances of getting a credit card are better. Bad history with them, never.

1 year ago

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Michael Lovetro

I opened a high-yield savings account with capital one online. I linked my account with Chase and PNC accounts. I was able to transfer funds between all three. It was easy and helpful for me to do all this online.

1 year ago

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David Elder San Antonio, TX

Great card company never had any issues had then for 2 years billing is a pain as you can't express pay. That my main complaint other than that it's a credit card so it give you a little protection

1 year ago Edited September 27, 2023

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J Adams Charlotte, NC

Capital One is my favorite credit card provider. They offer great features and make it so easy to manage the accounts online. Capital One savings accounts have some of the highest yields available.

1 year ago

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Alma Rosa Santiago Pizarro (Kary)

I had an account through Walmart years ago and the service went very well. Now I have an account again and I know that I will not have problems because it is a reliable company.

1 year ago Edited September 26, 2023

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Cedeirdre Dumond (Deej)

I have several Capital one cards. Always easy online account managing. I have never had to worry about having my credit limit lowered as with other cards for not maxing the card out.

1 year ago

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Missions Dallas, TX

Awesome company. They are into everything and there is so many ways that shows they are for the consumer. From Banking, Investing, credit cards and partnering with other companies to save the customer money is a plus.

1 year ago

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Diana Naperville, IL

Love my capital one venture card. I use it for EVERYTHING and I am always cashing in my rewards points. They are fantastic on the phone with customer service and the reps are personable and go above and beyond.

1 year ago

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Marsha Dallas, TX

Capital One is great in so many ways. They have one of the best rewards programs, make banking online simple for us mature people, has great customer service and support. Thanks

1 year ago

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Christian Nakamura Boerne, TX

I've had my credit card for about a year and have no complaints. I like the alerts texted to me when a charge is made, and I like that I'm able to pay weekly or daily or whenever I want to.

1 year ago

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ToriWayne Fargo, ND

Helped me build credit back after a bankruptcy,took a chance on me and they haven't regretted it! Love my cards and checking and saving accounts with them. I have 6 accounts with them now!

1 year ago

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Suzie Blankenship Herndon, VA

One of the first credit cards to ever give me a chance after a divorce and bankruptcy. Life happens. They were great and there when I needed them. Still here for me to this day!

1 year ago

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Ian Richmond, TX

We have been with Capital One for more than 20 years and plan to stay with Capital One for another 20+ years. We have loved their services 100%. I would highly recommend Capital One without hesitation.

1 year ago

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peggy cherry Kings Mountain, NC

This company is good for a starter card, but if you can pay it off quickly so. Their rewards system is easy to manage. I was only late with one payment but when I called customer service they removed the late fee from my account because my payment history was great. This was my first card. It helped me build my credit. After a year I was able to pay them off and have an established credit history.

1 year ago Edited July 14, 2023

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nancy hamilton Shreveport, LA

capital one is great. i feel secure & safe with them holding my money. they have many services that are helpful & their customer service is great. i have not had a bad experience in over 10 years with them

1 year ago

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Donald O'Malley San Francisco, CA

This card is our only credit card; customer service is good, offers are good, the website is good, dispute-resolution is good . . . all is good ! We highly recommend Capital One !

1 year ago

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Leslie

I think they’re a great company. We’ve only been with him for a few years with credit cards and got a car loan through them. So far we’re very happy with the way things have been handled.

1 year ago

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Kevin Ortiz

Capital one has a great rewards program. Their app is really robust as well as their website. I love how I am able to access different discounts through the shopping deals in their website. However, I wish it was also available through there iphone app

1 year ago

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Jeremy Summa Inverness, FL

I’ve been with capital one for years I use them for banking and credit card and my car loan is all with them and it is seriously easy to work with them. I’m on my second car loan with them. Highly recommend them.

1 year ago

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Janie Mc Meridian, ID

Capital One is a great credit card for people looking to establish new credit because it is fairly easy to obtain without having a perfect credit score. Unfortunately, in my experience, cardholders will pay high-interest rates in exchange. Still, it is a good entry-level card with similar perks to other credit card companies if you manage your account well.

1 year ago

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Maybeline Sandoval IL

I have quick silver and the regular blue card. They are so east and convenient to use. For me it's all about being convenient. They also work with many companies for discounts. It's great!

1 year ago

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Tyler Stowe Plano, TX

Have been a customer since 2006 of theirs and have never had an issues. Their website and app makes it easy to handle payments and customer service is easy to get a hold of when I need them.

1 year ago Edited April 27, 2023

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Heather H Sanford, FL

Capital One is a great company to do business with and build credit with too. Capital One has understanding, patient customer service representatives who make handling any issue a breeze.

1 year ago

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John Rhodes Sherman, TX

I am a very happy Capital One customer. I Have been the holder of a Cap-One card for about a year now, and have very excellent service . I love the way Cap-One communcates every transaction to my cell phone and email .

1 year ago

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Lisa Caruana Pittsburgh, PA

I had gotten a capital one credit card, to try to attempt to rebuild my credit. I had a issue with my car, and had to use it to help me with payments for bill's. This was a card that only had a $400 limit. I wasn't able to keep up on the payments, so they sent it to collection. I have so many Bill's now, that I have next to nothing, in order to buy food. This has happened since they CUT our help with SNAP. I don't have any cards now, and am working on what I owe. How can we live, with no Help?

1 year ago

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Eileen Rigsby San Antonio, TX

I’ve had a capital one card for years and have had a great experience. Interest rate is high, but they’ve worked with many any time I’ve needed it. The app makes paying and tracking your expenses so easy!

1 year ago

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andrea stevens LA

Best savings account with compound interest rates. Easy to sign up checking account offered as well. All can be done online. Has all the same benefits for security and things like that as their credit cards

1 year ago

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Adam Taylor

I got the CapitalOne Venture card because I do a lot of business traveling overseas and CapOne doesn't charge a tariff on the foreign charges. CapOne has been great at every turn and I still use the card a bunch, although I have diminished my use due to airline mileage cards.

1 year ago

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Sharon Lewis Saint Paul, MN

I love the shopping/discounts and money back. They are a good company to increase your credit rating. I was approved through Credit Karma website. My rating is in the 600s now.

1 year ago

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Shannon Fulmer Lexington, SC

I love their app. It makes it easy to pay for multiple capital one cards or just one. I love the credit feature that allows you to keep track of your credit score. With my quick silver card I get cash back as well.

1 year ago

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Carlos Escobar Austin, TX

Been with Capital one for quite some time and they have been very useful and considerably helpful when I've fallen behind in the past. If there was one card I could recommend to anyone it would be this one because of all the incentives and the programs ability to upgrade you and your credit so long as your on time and responsibile.

1 year ago

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glenjennings Dallas, TX

I started using Capital one about 7-10 years ago with the CapitalOne Platinum Credit Card that was designed to help people built credit because they report to all three credit reporting agencies. I set up auto-pay, and used the card for a few subscriptions I had, and for gas once in a while and paid off the balance in full every month. I also had two other credit building credit cards with other companies. My credit did increase while using the CapitalOne card along with the two other cards I had. Eventually CapitalOne sent me a pre-approval letter and offered to give me the CapitalOne Quicksilver card without a hard credit check and I agreed. I had recently got a new bank account shortly afterward that offered a debit cashback reward system and I wanted to be able to pay my credit card using my debit card. CapitalOne used to allow you to pay your bill using a debit card, but they no longer allow it and they said they would submit a request for me to be allowed to do it since they used to in the past. I called back several times over several months to follow up and no one could tell me anything. During that time, when my first credit card bill came after adding my new bank account, my bank account showed that the payment was made, and then reversed and put back into my account. I had never missed a single payment over the several years that I had this credit card and always paid it off in full. They charged me an outrageous late fee and I told them the payment was made from my bank account and then CapitalOne reversed it and put the money back into my account and I told them I could even screenshot it in my transactions and send it to them to prove it to them. I paid the balance off in full the moment I saw it was showing it was late and called them to ask them if they could please waive the late fee since I had never missed a payment in the several years I had been with the company and they said "sorry there's nothing we can do". We all know its a flat out lie. Banks waive late fees for people all the time if they have previous had a good track record. I was completely shocked that after all the years I had been with them, they couldn't even be a little bit understanding, or even try to help me out when it wasn't even my fault that they reversed the transaction. Lastly, the CapitalOne app is horrible. It has this "assistant" called "Eno" or something like that and it doesn't even work. They advertise a feature called digital credit cards that are supposed to allow you to create fake credit card numbers that are connected to your real credit card so when you make online purchases you aren't exposing your real credit card number to data breaches where people can steal your credit card information. It's called a "masked credit card". Its a fantastic idea, but it doesn't work. I called the customer service number dozens of times and never got anywhere. Their customer service people never actually help you with anything, they are "handlers" there to allow you to vent your frustrations, and they tell you they will pass on your complaint to the appropriate people who will review it so you feel heard, but if you ask them when you should expect to hear back from anyone, or how you can follow up on your complaint they can't give you an answer. CapitalOne is not a good company to do business with in my opinion.

1 year ago

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Joelle Kaut (ELLIEk.) Auburn, WA

I have had two of Capital One's credit cards now for a year and have been very satisfied with the user friendly website, paper billing ( at my preference)and ease of reaching a real customer service member without a horrific wait time! My credit is on the mend & they have helped in my endeavor! Thanks!

1 year ago Edited January 18, 2023

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Tandi Contreras Arnold, MO

I actually love capital one. It's one of the top rated company's in my book. I used their credit cards. Everything is so super easy to use and to understand. The approval was fast and easy. I recommend this 10/10

1 year ago

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GeorgieMom Portland, OR

Capital One has always provided fair rates based on my credit score and also offered me the best auto loan rates for a used car, even compared to credit unions. I like their app and especially appreciate the way you are now able to lock your credit card if it gets lost in the sofa and you don't want to fully cancel it while missing.

1 year ago

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Margaret James LA

Not just a credit card company, but so much more. They alert you for everything. I love to be in the know. I depend on the alerts. I do believe my credit line should be increased. Have had no missed or late payments in over a year.

1 year ago