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
62%
4 star
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3 star
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1 star
6%

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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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Kaleb Herbert

July 9th, 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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Foote

July 9th, 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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Jim Stewart

July 6th, 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 25th, 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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ria

June 18th, 2018 DETAILS arrow_drop_down
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They are amazing and trustworthy I have never had a problem

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[email protected]

June 18th, 2018 DETAILS arrow_drop_down
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Interest rate is to high. Could be lower.

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Deanna Parry

June 18th, 2018 DETAILS arrow_drop_down
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If you're even 1 day late with your payment they harrass the crap out of you by calling you repeatedly until you make that payment. They are not sympathetic if you were in the hospital or in a coma or whatever reason they don't care they called me as many as 9 times in 2 days all times of the day and night it's terrible.

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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

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william yulfo

June 18th, 2018 DETAILS arrow_drop_down
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Great stay open luv selection and deal with real people honestly

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Tom

June 11th, 2018 Pleasant Grove, UT

They have so many options and so many rewards programs. Something for everyone.

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Sadie Scoville

June 11th, 2018 Pleasant Grove, UT

Best cashback out there! I love the chat feature on their website to - makes it really easy to get questions answered

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Pegfin

June 5th, 2018 Indianapolis, IN DETAILS arrow_drop_down
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Awesome customer service. Easy to work with

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Branden

June 5th, 2018 South San Francisco, CA DETAILS arrow_drop_down
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The costumer service department as well as the costumer relations department and the all around company as a whole were amazing and knowledgeable and efficient and accommodating, speak to you with more then just a friendly tone but moreso as if you were a family member to them I completely loved having them not only as a credit card provider but in my life all together!!!!

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Janine Lane

June 5th, 2018 Mt. Dora, FL DETAILS arrow_drop_down
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Helps your credit when your credit isn't good

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quality

June 5th, 2018 Mobile, AL DETAILS arrow_drop_down
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credit increases and qualilty of service

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Anonymous

June 5th, 2018 Laurel, MD DETAILS arrow_drop_down
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Very bad experience. Hidden fees, excessive fees that push you over your limit

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Susanna Newbourn

June 5th, 2018 Miamisburg, OH DETAILS arrow_drop_down
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Was alright but would it liked to last longer.

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Wendy Detky

June 5th, 2018 Warminster, PA DETAILS arrow_drop_down
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Not very pleasant. Can't get to humans in customer service. Cant get increase in limits.

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Nolan Tallett

June 5th, 2018 Honolulu, HI DETAILS arrow_drop_down
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Great customer service, just paying by phone is high.

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Larry Sassorossi

June 5th, 2018 Highland Park, IL DETAILS arrow_drop_down
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Got all my questions answered and done so in a very courteous and professional manner.

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Ricky

June 5th, 2018 Fairfield, ID DETAILS arrow_drop_down
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They helped me get a credit card when no one else would

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stink

June 5th, 2018 DETAILS arrow_drop_down
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I made a transfer to pay my bill and they refuse to apply the funds to my account

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Kristin

June 5th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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Great reputation for being trustworthy! Have still used this when needed.

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CAROLE SCOVILLE

May 31st, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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My go to credit card for my business - can't beat 2% straight up cash back! And customer service is awesome - love the chat feature!

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Deja Barnes

May 21st, 2018 Woodland Hills, CA DETAILS arrow_drop_down
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Would like it if the fees were not so high. Almost impossible to pay off credit card because of fees.

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Sheena

May 18th, 2018 Eureka, MT DETAILS arrow_drop_down
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Great Travel rewards with this card. Great customer Service as well.

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Stacy Kay

May 16th, 2018 Salt Lake City, UT DETAILS arrow_drop_down
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Great customer service. Easy to use online platform. Good card when starting to build credit.

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Mel Shipton

May 2nd, 2018 Salt Lake City, UT DETAILS arrow_drop_down
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I do not like paying $50 member fee. Nor do I like my high interest rate. On the plus side I have been given a high credit limit over the last 7 years. When fraud happens the company is quick to resolve it.