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
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Trevor Woller

April 30th, 2018 Beaverton, OR DETAILS arrow_drop_down
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Capital One has the best mobile app I've used. It's very simple to manage your entire account through the app. They also provide really good rewards.

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Landon Robison

April 20th, 2018 Layton, UT

Constantly get credit cards in the mail from Capital One even though I always decline their offer. I think they are a little overbearing and I wouldn't recommend going with them.

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Maryayb

April 17th, 2018 Draper, UT DETAILS arrow_drop_down
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I love how easy it is to use reward points for travel with this card. The points are a huge benefit of carrying this card

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Michael

April 16th, 2018 Ogden, UT DETAILS arrow_drop_down
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Nice people and I love the cash back !!!!

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Joe

March 5th, 2018 DETAILS arrow_drop_down
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Annual fee should be waived after x years of loyalty

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Robert Miller

March 5th, 2018 Endicott, NY DETAILS arrow_drop_down
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Use in various settings over a period of about 5 years.

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Brandon

March 5th, 2018 San Antonio, TX DETAILS arrow_drop_down
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Great customer service handle problems fast and will great results

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Harry

March 5th, 2018 Prairieville, LA DETAILS arrow_drop_down
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It was good. They are very customer friendly.

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Symsol

March 5th, 2018 Tujunga, CA DETAILS arrow_drop_down
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Helpful when things are good- a little more difficult with problems or late payment

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Maureen

March 5th, 2018 St Louis, MO DETAILS arrow_drop_down
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I have no complaints. My experience thus far has been excellent.

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Tracee N Thompson

March 5th, 2018 Charlotte, NC DETAILS arrow_drop_down
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I did a credit card atm withdrawal at a gas station and it was effortless.

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Al

March 5th, 2018 DETAILS arrow_drop_down
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Amazing help when you are overseas and have problem with car rental

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Mary T

March 5th, 2018 Jackson, MS DETAILS arrow_drop_down
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Great and glad they gave me the credit line

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Juan Garcia

February 26th, 2018 El Paso, TX DETAILS arrow_drop_down
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Great card, good service and trustworthy company

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Sandra Bougere

February 26th, 2018 Houston, TX DETAILS arrow_drop_down
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great company. Very professional. Helpful customer service. Convenient.

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BKM

February 26th, 2018 Woodbury, GA DETAILS arrow_drop_down
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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.

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Waw

February 26th, 2018 Raleigh, NC DETAILS arrow_drop_down
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Hard to get credit line increased even when payments are on time and more than the minimum.

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Ward

February 26th, 2018 Kansas City, MO DETAILS arrow_drop_down
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Being able to get a credit card and establish my credit

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James

February 26th, 2018 Lexington, SC DETAILS arrow_drop_down
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Awesome! The application process was a piece of cake.

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Karla G.

January 22nd, 2018 Valencia, CA DETAILS arrow_drop_down
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Cash back points to use and whatever I want

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Francisco Rivero

January 22nd, 2018 New York, NY DETAILS arrow_drop_down
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Very professional, very understanding, and take their time with customers.

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JJ

January 22nd, 2018 Lexington, NC DETAILS arrow_drop_down
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The app is great. The limit amount that I was approved of is fair.

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Harlan Wahlert

January 22nd, 2018 Manassas, VA DETAILS arrow_drop_down
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They do not want to take payment from my checking account.

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patrick m shilandscotsman

January 22nd, 2018 Harriman, TN DETAILS arrow_drop_down
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Never had any problems or concerns. No problem using the card anywhere. Customer service is excellent.

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Gary Virts

January 22nd, 2018 Lenoir, NC DETAILS arrow_drop_down
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Interest rate is a little high and they penalize you for paying the minimum amount each month.

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Ken Rae

January 15th, 2018 Truckee, CA DETAILS arrow_drop_down
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No problems, easy to make payments, overall happy.

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Kim Slattery

January 15th, 2018 Youngstown, OH DETAILS arrow_drop_down
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I love the cash back feature. I use it to get rewarded for my purchases.

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Randy Sieg

January 15th, 2018 Scottsdale, AZ DETAILS arrow_drop_down
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Their interest charges and policies are out of line

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Mr. James

January 15th, 2018 Salisbury, NC DETAILS arrow_drop_down
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They are good and i like them the customer service is real good they help you

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Lee Roy Russell

January 15th, 2018 Fort Worth, TX DETAILS arrow_drop_down
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popular & easy to access website..never had any trouble with this company before

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KentKopke

January 15th, 2018 Boise, ID DETAILS arrow_drop_down
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always there when I need them and have readly increase my credir lines when needed.

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Donna W.

January 15th, 2018 Fort Worth, TX DETAILS arrow_drop_down
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It is help my credit bill very quickly and it is recognized everywhere

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Kari Contreras

January 9th, 2018 Ecorse, MI DETAILS arrow_drop_down
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Great service, love the cash back, however dislike the high interest rate even though I have fairly good credit.

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CarolHarriff

January 9th, 2018 Romulus, MI DETAILS arrow_drop_down
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interest rate to high, will not use again after I pay balance off.

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Terri Bradley

January 9th, 2018 DETAILS arrow_drop_down
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To get credit from capital one is to easy, for some that may be a good thing but for others not so good. Then the interest is to high.

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Rob

January 9th, 2018 Milwaukee, WI DETAILS arrow_drop_down
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a good balance of low interest and perks

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Marybeth Little

January 9th, 2018 Paradise, CA DETAILS arrow_drop_down
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Great service; double miles on every purchase. Etc.

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Nichole

January 8th, 2018 Midvale, UT DETAILS arrow_drop_down
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Capital One has been great! I have been with them for 19 years and they have always treated me well. They have even upgraded my card and credit limit several times. They also have 1.5% cash back.

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robert brimley

January 3rd, 2018 Coldiron, KY DETAILS arrow_drop_down
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They been very helpful.nice thoughtful and understanding.

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Jesse Gomez

January 3rd, 2018 Los Angeles, CA DETAILS arrow_drop_down
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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.

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Gloria

January 3rd, 2018 Miami, FL DETAILS arrow_drop_down
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I have never had a problem with them , I have called them to ask for different payment date and they accommodated me

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Steven N Lacks

January 3rd, 2018 Lakeland, FL DETAILS arrow_drop_down
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Good service, no problems with hidden fees or questionable balances.

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Melissa Shann

January 3rd, 2018 Humble, TX DETAILS arrow_drop_down
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They're a good company, however, when I was unable to make payments resulting in a charge-off, they wouldn't allow me to receive another card in the present.

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Randy Jones

January 3rd, 2018 Shelbyville, TN DETAILS arrow_drop_down
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High limits with easy terms. 0% introduction offer

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Nicole Young

January 3rd, 2018 Oklahoma City, OK DETAILS arrow_drop_down
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I got a cash advance on this card and now every single month they charge me like crazy high interest 25 percent just for that one transaction. I think it's a ripoff ! Rates wasyyt to high !

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Mark Frogley

December 19th, 2017 Phoenix, AZ DETAILS arrow_drop_down
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What's in your wallet? I have more cash now to Capital One! They were recommended by a financial friend and could not be happier with the rewards I receive from them. I can even use points as cash to pay off my balance! Point help not feel so guilty when I travel too. Win, win!

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Donnie Chappell

December 18th, 2017 Snellville, GA DETAILS arrow_drop_down
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Never any problems with this card. The customer service is excellent.!

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James

December 18th, 2017 Sumter, SC DETAILS arrow_drop_down
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All services fine, just a little high on interest, and they never reduce it.

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John Carpenter

December 18th, 2017 Ware, MA DETAILS arrow_drop_down
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They do not put their customers first, rather they take the word of their company companions(businesses)

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Angie

December 18th, 2017 Grove Oak, AL DETAILS arrow_drop_down
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Ease of use, making payments, amd resolving any issues that may arise.