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.

Top Ranked Companies

company logo
#1 NortonLifeLock chevron_right
9.9 Overall Score
4
starstarstarstarstar_border
(938)
company logo
#2 IdentityIQ chevron_right
8.6 Overall Score
4.1
starstarstarstarstar_half
(303)
company logo
#3 Complete ID chevron_right
8.5 Overall Score
3.8
starstarstarstar_halfstar_border
(432)

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.

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. 

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. 

View Best Identity Theft Companies

Why Can I Trust Bestcompany.com arrow_drop_down

User Reviews

Star Rating

3.4
starstarstarstar_halfstar_border

4 Reviews

Review Breakdown

5 star
50%
4 star
0%
3 star
25%
2 star
0%
1 star
25%

Sentiment Criteria

Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar
search cancel
starstarstarstarstar

Kaydence Bonino

November 18th, 2019 Riverton, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Rischelle Mikkelson

October 14th, 2019 American Fork, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstar_borderstar_borderstar_borderstar_border

Alicia

September 30th, 2015 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!!!!

starstarstarstar_borderstar_border

A.H.C.

February 24th, 2015 Bedford, OH

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

  • 1