In 1988, Richard D. Fairbank founded Capital One in an effort to empower the public with access to information and technology. The company offers a variety of financial services, including banking options, credit cards, loans, and investment options. Recently, Capital One began to offer identity protection services as well.

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The Good

Credit Wise Program
Sure Swipe Tool
Education

Credit Wise Program

One service that Capital One offers its customers is the Credit Wise app, which allows customers to receive weekly credit score updates and see how certain financial decisions would affect their credit score.

Sure Swipe Tool

Through Capital One's mobile app, customers have the option to use the Sure Swipe tool, which allows customers to create a pattern instead of a traditional password, which could be more secure.

Education

Capital One offers several educational resources to help customers learn how to better prevent identity theft.

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The Bad

Limited Monitoring Services
Few Recovery Services

Limited Monitoring Services

Capital One offers credit monitoring, but the company does not provide social media monitoring, internet scanning, or bank account monitoring.

Few Recovery Services

Capital One does not assist with pre-existing conditions and does not offer recovery assistance for medical, criminal, or tax identity theft.

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The Bottom Line

Capital One provides its customers with its Credit Wise program and its Sure Swipe tool, in addition to educational resources. However, the company's monitoring and recovery services are lacking.

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User Reviews

Star Rating

4.7

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48 Reviews

Review Breakdown

5 grade

77%

4 grade

17%

3 grade

2 grade

1 grade

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Chad Edgar Columbia, MO

I truly thought I had no hope left no one would help me when I needed that truthfully but when it came to Capital One they hooked me up with a credit card when I needed the money the most to help me out with all kinds of bills an emergency situations as helping my dogs I live on disability you can always check your scores freely at any time also they notify you for any transactions that's used which is wonderful customer service is truly amazing I feel like family truthfully thank you Capital One for being there when no one else was

2 years ago

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Abi Dallas, TX

Capital One ID protection is so amazing and easy to use! I have my bank account with them, so when I check my bank information it was always easy to check my credit information to make sure everything is accurate! I found out they offered ID protection so I enrolled immediately! The process was fast easy and affordable! Knowing that all my personal information is protected with Capital One ID protection is worth every penny! I will definitely recommend to all my family and friends and continue to be a customer as well! Thank you!

2 years ago

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michael L Wallace Arlington, TX

I received my statement from Capital One Venture two months ago and found several uauthorized charges on my account. I immediately got in touch with Capital One and told them of the charges in question. The lady that I talked to was extremely helpful and understanding. She took the charges off (pending investigation) and issued me a new card. About 2 weeks later Capital One sent me a letter saying the charges were removed and the funds were added back to my account. The company goes out of their way to take care of their business customers.

2 years ago

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Dwayne Holland Charlotte, NC

I actually have 3 accounts with Capital One and I have capital one I'd protection on all my accounts. I had an incident occur only once in 6 years but thanks for my id protection I had nothing to worry about except verifying who I was through my security answers over the phone. Great company and customer service

2 years ago

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Jane Milton Reidsville, NC

Excellent Layout For ID Protection-Capital One ID Protection Is Always One Step Ahead-Seasoned Professionals!I had The Opportunity To Be A Consumer And Never Experienced Any Issues. Twenty-Four Hour Monitoring-Great Customer Service Ready To Resolve Any Issue Ay Hand. Capital One ID Protection Keep Up The Great Work!

2 years ago

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Kimberly Bonita Parker, CO

I was alerted when suspicious activity was noticed by Capital One. They immediately and professionally were able to protect me from further damage that could have been caused by theft of my information. Would highly recommend their services to everyone.

2 years ago

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James Goodman Silverdale, WA

Capitol On ID Protection is a great protection option, we were offered with our Capital One credit cards. Has some fees associated but totally worth it. The app is super easy and you get alerted whenever something has changed. I go a mile a minute sometimes thankfully my Capital One ID Protection keeps up!

2 years ago

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Autumn Lewiston, ID

As a longtime capital one credit card holder I really enjoy the benefits of Capital One ID Protection. I have peace of mind knowing that a company is out there monitoring my credit and informing me if someone is trying to use my credit card or steal my identity. I really enjoy being able to see my credit score each month using Capital One.

2 years ago

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Rosita Khalehpari Winnetka, CA

I will get an alert for any purchase over $100. If I do not respond in timely manner, the purchase does not go through, and if it is a bigger amount, with no response from me, they would lock the card temporarily. I receive the alert both on my phone and via email. It saved me couple of times! I really appreciate their service.

2 years ago

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Noa Ranoa Vista, CA

Cap1 had been great for me. I've been with C1 for years so maybe others might think different. I think it's safest to be with a company that your money is in. I've had fraud on my account and C1 handles all my troubles. No haggle.. No problem. A+ / 5 stars

2 years ago

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Michelle Crane Phoenix, AZ

I have been a capital one card holder for many years. Of all my credit card companies I have worked with capital one is by far my favorite. We get notifications every time there is a suspicious charge on any of our accounts and have never had any security breaches

2 years ago

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M. Nielsen South Bend, IN

Was offered protection as part of my capital one card services and im sure glad I did, I have been notified of several breaches and was able to quickly change my information to stay protected. I would highly recommend getting yourself protected in this way for sure!!

2 years ago

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Rischelle Mikkelson American Fork, UT

I have had fraud on my credit card 3 times. Capital One is extremely proactive in stopping it. They have stopped the fraud immediately and protected my identity. They have also caught potential fraud before it because real fraud no less than 6 times.

5 years ago

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Rosie Ewing Houston, TX

I am currently enrolled in Capitol One ID Protection and I am very satisfied with the security management systems they have in place. The service are not billef to me but comes as one cardholder privilege.

2 years ago

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Theresa Clemon Chicago, IL

Questions I been with capital one, for a long time. I've never encountered any problem. Their quick to take care of a any question , my account is secured, and I love their customer service.

2 years ago

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Wendy Shaw New Haven, CT

Capital One ID protection kept my sensitive personal information safe. Helped guide me in ways to secure my self from frued and identity theft. A must have resource!!! Not to mention their impressive customer service...

2 years ago Edited March 17, 2022

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jeff molitor

Capital One is a solid provided of ID theft protection and services surrounding my credit activities. As a current Capital One customer it is refreshing to know this company provides several layers of protection and alerts to ensure i am informed while offering solutions to address of needed.

2 years ago

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Luke Swierczynski Troy, MI

I believe this come standard on their credit cards since I have it somehow. Love the value add and piece of mind when shopping. Combine this with their virtual cards and you've got maximum security.

2 years ago

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J S

I started using Capital one ID protection after getting a credit card from them. It makes me feel much more secure because they are constantly checking to ensure I am protected.

2 years ago Edited February 25, 2022

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Laura Mccall

I've had 2 capital 1 cards and have always felt safe when with them. They guarantee that my personal info is safe with them. Customer service is amazing as well, super helpful and quick.

2 years ago Edited February 28, 2022

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Ryan Vett Phoenix, AZ

It was included with my capital one accounts for free, and offers very basic monitoring and protection of your TransUnion credit file. There are only credit alerts for new accounts and new addresses and you aren’t able to lock your credit file through them. Very convenient if you already have a capital one account!

2 years ago Edited February 25, 2022

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Jlbflatx New Braunfels, TX

Included with my card options. Have had no problems and feel secure with my transactions. Good customer service if I need it. Easy to get help. Had for years and feel comfortable with security they offer.

2 years ago

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Kaydence Bonino Riverton, UT

Some strange purchases were made on my card and capital one sent me a text to make sure I was the one who made them. It wasn't me so they took off the purchases and sent me a new card right away.

4 years ago

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thomas Lovin Duluth, GA

Capital one ID Protection is the name brand to trust once you get your identity stolen. They worked fast to get the job done and had great customer service.

2 years ago

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ms ray Detroit, MI

Great company helped alert me to fraudulent activity by sending alerts on transaction attempts that were not mine. Also verified my transactions and made sure the fraudulent activity didn’t go through.

2 years ago

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Shalon Johnson IA

Pretty great company. However, the information doesn't seem completely up to date. I think it updates quarterly instead of instantly. I use Capital One ID protection as an add on for my Capital One Platinum Card

2 years ago Edited March 14, 2022

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Vernon Cox Glendale, AZ

They provide great protection and service each month. I receive information about my credit that is very helpful and makes it easier to keep track of my credit.

2 years ago Edited February 25, 2022

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Abby Smith Dothan, AL

I like how Capital One offers ID protection for free with a bank account with them. It helps me save and is a great service.

2 years ago

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Thomlyn Lovin Jonesboro, GA

Capital One ID protection is good, but nothing special. They have multiple steps to authenticate that you’re the one accessing your information and do security checks which is great, but those are really the main features.

2 years ago

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Terri Kingman, AZ

I had an issue with my credit card. Lucky for me my Capital One ID protection took care of the headaches & hassle. Saved my credit

2 years ago Edited February 28, 2022

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Tiffany MN

I love the constant monitoring and the security if knowing that I'll be the first to know if fraudulent activity is taking place!

2 years ago

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Sadie Mallory Los Angeles, CA

They text me if anyone checks my score or if there is any changes to my score they even tell me that my credit card is used

2 years ago

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Samarra Miller Hialeah, FL

I have this through my credit card really good too have keeps me on track with updates once a week I recommend capital one

2 years ago

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Josh F Chandler, AZ

Haven’t had any security issues with my capital one account. They always double check any suspicious activity.

1 year ago

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William Oxenford Philadelphia, PA

I have a debit and three credit cards with Capital One. They have actually stopped attempted fraud 2 times for me

2 years ago

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Cjmac2525 Grand Rapids, MI

They have been amazing. Alerts me to anything that may even be remotely fraudulent. Five out of five.

2 years ago

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Jesse Prince Tulsa, OK

Highly recommend Capital One ID Protection! Customer service was fast and helpful. Great company to use!

2 years ago

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Stacy Carter Red Cliff, CO

I've had great experiences with Capital One ID protection. They are quick to help solve the problem.

2 years ago

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Rick Froid Park Ridge, IL

Capital One ID Protection is by far the best online protection I’ve ever used. Great format and customer service!

2 years ago

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Alicia Kalamazoo, MI

restricted my account until person who owns the account where the payment was drawn from calls capital one and proves his identity in relationship to his bank. REALLY!!!!

9 years ago

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ramesh pothuru Morrisville, PA

fraud activity alert, web breach alerts & suspicious activity alerts and credit inquiry alerts.

2 years ago Edited March 10, 2022

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Tori State of Mind Naples, FL

I love how the app helps make it easy to quickly glance and check in on my cyber security.

2 years ago

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A.H.C. Bedford, OH

CAPITAL ONE HAS BEEN GOOD ON MY C.C. ACCOUNTS. INFO ON CHANGES HAVE BEEN PROMPT.

9 years ago

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Stephanie Flood Stover, MO

They found straight away that my info was on the dark web. An took care of it immediately.

2 years ago

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Amelia Redwood Forbes Midway, GA

They are so proactive with ny account and communication is great

2 years ago

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Terrance L Mardis Raleigh, NC

Does excellent job of notifying any activity on credit report

2 years ago

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Lindsay Rawitscher Santa Clara, CA

Good alerts, I wish I could customize them more.

2 years ago

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Jennifer Palmer, AK

Good service and handled everything in a timely manner

2 years ago