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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Sentiment Criteria

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Courtney Mcmillan

December 18th, 2017 North Canton, OH DETAILS arrow_drop_down
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I'm rebuilding my credit and was approved with a low limit but after 5 months of on time payments it was raised substantially.

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Bonnie

December 18th, 2017 Dry Ridge, KY' DETAILS arrow_drop_down
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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.

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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.

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Susan J Rentz

December 18th, 2017 Griffin, GA DETAILS arrow_drop_down
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Great Customer Service and fraud monitoring.

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Wesley Clark

December 18th, 2017 Kaufman, TX DETAILS arrow_drop_down
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Highest level of security and support of all my credit cards. Critically important to me. And one of the better cash rewards.

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Spartacus

December 18th, 2017 Tulsa, OK DETAILS arrow_drop_down
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Good security; they have twice caught fraudulent charges.

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R.P

December 18th, 2017 Conway, AR DETAILS arrow_drop_down
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Good to help rebuild your credit. The increases vary. APR depends on your credit score. Make paymemts on time and keep your balances low.

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DONNA FURMAN

December 18th, 2017 Ash Grove, MO DETAILS arrow_drop_down
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Got lower interest rate through my credit union

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Joseph Ricks

December 18th, 2017 Stevenson Ranch, CA DETAILS arrow_drop_down
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Excellent Customer Service Great Products, Clear Navigation on their websites.

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Cathey Arechiga

December 18th, 2017 Buckeye, AZ' DETAILS arrow_drop_down
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Great offers to help rebuild credit, refinance or purchase a new car.

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Charon Anne Mazloomi

December 18th, 2017 Eagle, ID DETAILS arrow_drop_down
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Always willing to answer questions and the mobile app is super easy

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Robert E Madden

December 11th, 2017 San Jose, CA DETAILS arrow_drop_down
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The're accurate & competitive and do what they're supposed to do

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Sonny Dehart

December 11th, 2017 DETAILS arrow_drop_down
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Customer card was good to use and never declined

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Alan

December 11th, 2017 Hudson, OH DETAILS arrow_drop_down
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Excellent service and accuracy . Easy to reach customer service.

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Marilyn Humphries

December 11th, 2017 San Bernardino, CA DETAILS arrow_drop_down
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intrest rate could be lower and rewards higher

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Mark Lawrence

December 11th, 2017 Dundalk, MD DETAILS arrow_drop_down
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Excellent customer service and high quality products

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Laura

December 11th, 2017 Clarksboro, NJ DETAILS arrow_drop_down
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Great customer service. Gave me a chance to rebuild my credit when no one else would.

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Jim Irwin

December 11th, 2017 Canton, MI DETAILS arrow_drop_down
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Cash back is the best of any card that I use. It is for all purchases.

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William Kyzer

December 11th, 2017 Hermitage, TN DETAILS arrow_drop_down
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Excellent fraud protection; credit monitoring.

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Bruce Knipe

December 11th, 2017 DETAILS arrow_drop_down
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Easy online access and email alerts for every purchase and 1.5% back on everything without a yearly limit on the amount back.

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Thanos Toulopoulos

December 11th, 2017 Davis, CA DETAILS arrow_drop_down
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Useer Friendly and always helpful and immediate response when issues arise

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Lynne Williams

December 11th, 2017 Hazlet, NJ DETAILS arrow_drop_down
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Low interest rate; if you want my opinion don't force me to leave a certain number of characters, take what I give you

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Emerald Scott

December 5th, 2017 West Jordan, UT DETAILS arrow_drop_down
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I have loved everything about my Capital One Credit card. They are really good at keeping you updated on purchases and even alerted me to when there was a potentially fraudulent purchase on my card which it was! I was able to dispute the purchase easily and get a new card. The 1.5% cash back on all purchases has been a great thing too! I haven't ever had any problems with the company.

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Kyle Cardwell

November 30th, 2017 Riverton, UT DETAILS arrow_drop_down
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I love my Capital One card. It's accepted everywhere and makes purchases easy. It's great to use it for renting cars when I travel because it Capital One includes insurance at no extra cost. I especially love the 1.5% money back on ALL purchases that I make!

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Lourdes Rivera

November 28th, 2017 Wilmington, DE DETAILS arrow_drop_down
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Is a good credit card but not as good as others plus they charge a yearly high fee I have asked them to changed it or switch my credit card to another but they keep denied to help me. I really wish I can paid them off.

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Warrec

November 28th, 2017 Verona, PA' DETAILS arrow_drop_down
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Their interest rate is sky high and if you're a minute late on payment they harass you nonstop. Also, they sell your information to marketing companies.

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Betty D'Arbeau

November 28th, 2017 Mt Vernon, NY' DETAILS arrow_drop_down
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Gave me a chance to build my credit. Interest rate reasonable.

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Kate

November 28th, 2017 Hancock, NH DETAILS arrow_drop_down
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Good customer service. Good rewards. Ease of use. Ease of payment.

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Andre R Golden

November 28th, 2017 Gilmer, TX DETAILS arrow_drop_down
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No annual fees just wish interest was lower

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Ricky

November 28th, 2017 Phelps, WI DETAILS arrow_drop_down
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Easy to review acct online and complete monthly payments

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Becky

November 28th, 2017 Connersville, IN DETAILS arrow_drop_down
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Good relationship with them and have a good history with them

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Terri Bey

November 28th, 2017 Lexington, KY' DETAILS arrow_drop_down
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Great company. They are very helpful with questions. They have a great app, as well.

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Robert Peters

November 28th, 2017 Tampa, FL DETAILS arrow_drop_down
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Convenience and technologically advanced website for account management

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WALTER MCCOY JR

November 28th, 2017 Las Vegas, NV' DETAILS arrow_drop_down
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Never had any problems , customer service is great

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Victor Munoz

November 28th, 2017 Austin, TX DETAILS arrow_drop_down
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Because they offer cash back in gas or market spending

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anonymous

November 28th, 2017 Spring, TX DETAILS arrow_drop_down
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Capital One is easy to work with. Would recommend to others.

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EvaM

November 28th, 2017 Houston, TX DETAILS arrow_drop_down
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Excellent customer service when needed was given a credit increase without asking

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T M

November 28th, 2017 Studio City, CA DETAILS arrow_drop_down
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Clear statements, great customer service, website options, great rewards, concert sponsoring

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Gordon Nez

November 20th, 2017 Gallup, NM DETAILS arrow_drop_down
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Capital One CC services are very efficient and manage their accounts well! i enjoyed a long relationship with them and they were supportive when my life situation changed for the worst. no job, no income and they stood by me. unfortunately, my life didn't change as fast as i needed it too. i understand what had to happen but i am going to pay them back what they gave me. they game a lot of respect!!

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DAVID GROSS

November 20th, 2017 Firth, NE DETAILS arrow_drop_down
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I have been with them over 15years and they refuse to give me a lower interest rate

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Deborah Dietrich

November 20th, 2017 Glenwood, NY DETAILS arrow_drop_down
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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.

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Tania Ochoa

November 13th, 2017 Palmdale, CA DETAILS arrow_drop_down
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Easy to obtain a credit line and if you pay in a timely matter and more then the minimum your credit limit will grow

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SHENA LALLY

November 13th, 2017 Dayton, OH DETAILS arrow_drop_down
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They tell you over thw phone to call back after 1pm est to make a payment. When you call you find you were charged a late fee of $35 because you paid after 1pm. Scandalous.

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Neil Laumeyer

November 13th, 2017 Dundee, NY DETAILS arrow_drop_down
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Proactive and great service and they always provide timely notices and keeps our privacy

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Frank

November 13th, 2017 Orem, UT' DETAILS arrow_drop_down
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They are great to work with and I love the travel rewards.

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Howard cramer

November 13th, 2017 Phoenix, AZ' DETAILS arrow_drop_down
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Love the card, not to pleased with the annual fee

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David

October 30th, 2017 Orem, UT DETAILS arrow_drop_down
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It's easy to pay on time, the cashback is pretty decent, and I'm all for zero fees.

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Monica

October 16th, 2017 Shelbyville, IN

I've never had any issues with purchases, billing, online payments, etc..

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Ron

October 16th, 2017 Marana, AZ

They give a 1%cash back but the interest rates are to high.

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Smith

October 2nd, 2017 Suitland, MD

Easy to apply. Good beginning balance and increase with on time payments. Good customer service.