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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4 star
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3 star
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2 star
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1 star
6%

Sentiment Criteria

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Mali

August 27th, 2018 Orem, UT

Easy Approval and Credit Limit Increase. i have a lot of credit cards and this by far is the best because i am not getting numerous telemarketing calls from them. They send me everything through email, even my statements. They send me a reminder of when my next billing cycle is due. When i had a question they were helpful and kind.

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Aiga

August 26th, 2018 Orem, UT

easy, fast approval and you get your card within less than 10 days. Interest rate is high. Payments are affordable. Customer service is nice depending on the agent you get. Easy to make payment arrangements. Statements were readable.

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Tilda

August 25th, 2018 Saint George, UT

Always been good from their rates to customer service.

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Jr

August 25th, 2018 Orem, UT

easy and fast approval. credit limit increase came at the perfect time. customer service always kind and helpful. monthly payments were affordable.

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tini mapu

August 24th, 2018 Orem, UT

This was the first company to approve me for a credit card. My credit wasn't that great and they still approved me. They help build credit and they even helped me get back into shape when I missed some payments. They are so good to their customers.

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Dave Brinton

August 24th, 2018 DETAILS arrow_drop_down
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Good terms and special offers. I appreciate the cash advance rate and terms.

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NT

August 24th, 2018 Pleasant Grove, UT

fast easy application, got my card within a few, easy activation, customer service was good, didn't have to wait long on the line to speak to a represenatative. credit limit when i needed it was very quick to do.

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Kristin G

August 23rd, 2018 Pleasant Grove, UT

I have enjoyed my credit card through capital one because of the points I receive for free travel. It adds up fast!

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Troy Millett

August 21st, 2018 Lindon, UT

I have had a Venture credit card for the last few years. I love it! I love the double miles reward on every purchase. I don't like the $60 annual fee, but since I probably earn close to $1500 a year in points, I cannot complain too much. I use this card for everything.

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Kim Millett

August 21st, 2018 Lindon, UT

This is the greatest card! (We have the Venture card). We earn roughly $1500 of travel per year using this card. It helps to pay for our yearly cruise. I love just having one card so that I can easily keep track of expenses and payments. We have never had a problem with this company. We have now had the card 3 years.

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Lesa Burgess

August 20th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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If you want to travel more, this is the credit card to own. I feel really safe owning this cards. If you own a Capital One card, it will help you look for any travel that may have been charged so that you receive the proper credit. One of the best decisions I made was getting a Capital One Card... 5 STARS!

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Carolynn

August 19th, 2018 West Jordan, UT

We have never had a problem with them. Customer service is always helpful when I had to call in. Their mobile app is very convenient and easy to use.

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Nathan Johnson

August 4th, 2018 Palmyra, PA

Spent hours online and on phone trying to add my spouse to checking account to no avail. I found it frustrating that such a simple, reasonable request couldn't be handled.

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Sarah

August 2nd, 2018 Fairfax, VA

I really like their credit card and they make it very easy to link your credit card account to your bank accounts for easy payments and such. They have a good cash back/rewards benefit.

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Jenny whipple

July 31st, 2018 Mesa, AZ

Our capital one card is convenient to use in many locations.

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Katherine Smith

July 26th, 2018 Salt Lake City, UT

Love our capital one. Love the cash rewards.

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Chris Alonzo

July 25th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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Great card to have for emergencies although customer service could improve. They call times are always long and they are quick to resolve your problem but are not very patient if you have more than one issue.

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Taylor Vance

July 25th, 2018 Salt Lake City, UT

I like their online banking platform. Intuitive and sleek.

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Ruth Anne Bright

July 24th, 2018 Mount Washington, KY

Good card however can be difficult to resolve issues. Customer service tries very hard to limit issue to one call resolutions.

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James Nelson

July 23rd, 2018 Falls Church, VA

I have always been impressed with the individual attention given to the customers. They have gone above and beyond to ensure that my needs are met to my satisfaction. In addition, there are no hidden fees that I have ever stumbled upon--staff seem very transparent and deliver excellent service.

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Tanner Hales

July 19th, 2018 Pleasant Grove, UT

Security on cards is good. However, customer service is NOT great. Sometimes it takes forever for my payment to process on their end, even after they have pulled the money from my checking account. Very difficult to get my credit limit increased, and I have never missed a payment.

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Rob Whipple

July 16th, 2018 Mesa, AZ

Website is easy to use. Sometimes have to wait to get through to customer service on the phone.

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Spencer Hodgson

July 16th, 2018 Salt Lake City, UT

Never had a problem with my credit card. They also give you credit wise for free so you can check your credit as much as you want and not damage it.

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Alicia Holman

July 11th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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This card gives opportunity for someone whose credit may not be great, so it's great for rebuilding. They are also good at increasing credit lines in a timely manner. The interest rates are too high, but that's to be expected.

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Harry Reker

July 10th, 2018 Maple Shade Township, NJ DETAILS arrow_drop_down
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I have and use a Capital One card for many years and, by far, they have been the best Company, of many, that I have used. Whenever I had any issue their customer service has been beyond excellent in satisfying my problem in a professional, caring and expeditious manner. I am not a big fan of commercials but Capital One's "Don't leave home without it" slogan rings true for me.

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Foote

July 8th, 2018 Queen Creek, AZ DETAILS arrow_drop_down
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I like my Captial One credit cards, especially. Really no issues from them as long as I have done my part and paying my bills on time. Even received credit raises without asking.

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Kaleb Herbert

July 7th, 2018 Gilbert, AZ DETAILS arrow_drop_down
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Love this card. Interest is high, but I knew that before getting it. Great customer service and love the credit wise report I can check anytime.

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Jim Stewart

July 5th, 2018 Queen Creek, AZ

Lowest rate card I have. Customer service is excellent.

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Troy Siren

June 29th, 2018 Gilbert, AZ

I love my credit card and it all it’s perks. Lots of options to use for cash back or travel.

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Diana Melnyk

June 23rd, 2018

I am getting a lot of great airmiles using my Capitol One Travel card. I use it at Costco in Canada and I have no complaints.

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Roger Becker

June 18th, 2018 DETAILS arrow_drop_down
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Great customer service and rates.. Have been a customer for over 20 years now.

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Chris Gauvin

June 18th, 2018 DETAILS arrow_drop_down
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Tons of option with money market accounts, savings, and checking accounts as well

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Jeanine Crawford

June 18th, 2018 DETAILS arrow_drop_down
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Conservative company which is good. Maybe too much so....never give credit line increase. lol

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jennifer miller

June 18th, 2018 DETAILS arrow_drop_down
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They have been very helpful in all ways that's why I try my best to keep it up to date and paid off

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john a williams

June 18th, 2018 DETAILS arrow_drop_down
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they do everything well. It is sometimes difficult to reach someone but they have a lot of senior customers like me so i can understand.

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John Walker

June 18th, 2018 DETAILS arrow_drop_down
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Excellent service for fraud and user friendly website efficiency

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Michelle

June 18th, 2018 DETAILS arrow_drop_down
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Best service. Great credit line. No hassles. Wonderful fraud team.

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Rose Taylor

June 18th, 2018 DETAILS arrow_drop_down
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They are very professional and they keep a very close eye on transactions and alert you immediatly

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Ameera Alhussein

June 18th, 2018 DETAILS arrow_drop_down
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AMAZING EXPERIENCE! It is not hard to get in touch with customer service. They have an easy to use app you can download to keep an eye on your balance and spending. The app also let's you know what percentage of your credit you have spent and how it can affect your credit.

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Cliff Strozier

June 18th, 2018 DETAILS arrow_drop_down
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They stand behind you and if you have a fraudulent purchase they will reimburse you. If someone gets your card number they have no problem sending you a new card.

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Sandra Morrical

June 18th, 2018 DETAILS arrow_drop_down
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They are good but sometimes you get a customer service person that is not friendly

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John Pcola

June 18th, 2018 DETAILS arrow_drop_down
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Increased my Credit Limit without my requsting it

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Marybeth

June 18th, 2018 DETAILS arrow_drop_down
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Great app! No yearly charge. 1.5 Miles per dollar!

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Maxine Opperman

June 18th, 2018 DETAILS arrow_drop_down
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The high interest rate renders this company less than preferable in general.

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Lenora Jones

June 18th, 2018 DETAILS arrow_drop_down
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No problems,clear they are very helpful if you have any questions.

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Kenny Davis

June 18th, 2018 DETAILS arrow_drop_down
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Very easy to communicate with and my card is used everywhere

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Bill

June 18th, 2018 DETAILS arrow_drop_down
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Their int. rate is too high, & they suck.

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Karen Ingram

June 18th, 2018 DETAILS arrow_drop_down
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They advise me when my bill is due, tell me when I've made a payment, fedexed me a new card the day after fraud was detected and I get miles or money.

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cassandra y hurd

June 18th, 2018 DETAILS arrow_drop_down
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Because they gives you a chance to establish credit then any other companies

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Philip Bagwell

June 18th, 2018 DETAILS arrow_drop_down
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Great all around service; cash back for every purchase; credit score grew while using Capital One