Capital One Reviews
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About Capital One
Capital One has credit cards to help you earn points to use towards major purchases, including travel. Read reviews for Capital One Venture to learn about travel rewards.
- Mobile app with tracking tools
- Relatively low fees and good interest rates
- No opening balance requirement for checking accounts
- Limited branch locations
- Opt-in overdraft charges
Featured Reviews
Compare the best Capital One credit cards
Capital One issues personal and small business credit cards that earn rewards and come with other perks and benefits, including 0% introductory APR periods and fraud liability protection.
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About Capital One checking and savings accounts
Customers can open Capital One checking and savings accounts with no minimum deposit. Through 360 Checking, Capital One account holders can pay bills, get cash, make deposits and transfer money without paying fees. The company provides full-service online banking with a wide network of ATMs and has more than 900 physical branch locations in the United States.
Capital One FAQ
Is Capital One a bank?
Capital One is not a traditional bank — it's a bank holding company. Bank holding companies control one or more banks but don’t necessarily engage in banking themselves.
What is the minimum deposit for a Capital One CD?
There is no minimum deposit to open or maintain a Certificate of Deposit account with Capital One. However, CD accounts can’t exceed $1,000,000.
How do you find your Capital One account number?
You can find your Capital One account number either on your statement under “Your Savings Summary” or online through the Capital One 360 portal.
Does Capital One have a mobile app?
Yes. Capital One Mobile is Capital One’s mobile banking app. Through Capital One Mobile, you can manage credit cards, bank accounts and home or auto loans.
Where are Capital One branch locations?
Capital One has branch locations in New York, New Jersey, Connecticut, Delaware, Maryland, Virginia, Texas, Louisiana and Washington, D.C.
Capital One Reviews
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- 4,695,375 reviews on ConsumerAffairs are verified.
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- 4,695,375 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed June 4, 2025
Capital One has extended credit to me when no other bank would. Even after I had extreme circumstances in the past that caused me to default on a Capital One card, they approved me again in a couple years when I got back on my feet! Their service has always been top notch. Never one issue. App is so easy to use. Rates and fees are very fair. When someone like me has lost their daughter to suicide and had much more happen to set me back financially this kind of company is a godsend! Thank you Capital One!
Reviewed May 30, 2025
Capital One Quicksilver Secured Credit Card delivered all that they said it would. I applied and was approved in Nov 2024 and paid on time all my payments (or before time) and May 2025 I received a email upgrading my card to an unsecured card with the return of my $200 security deposit.
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Reviewed Nov. 13, 2024
I, Kevin **, have been a long-term customer of Capital One Bank. I Have the Highest Respect for such a huge company, but they work with you one on one. You are certainly NOT just a number (ie. customer). They have been the title owner of a past vehicle I purchased in 2007, and I still have a Capital One Credit Card. I Most Recently double-paid a separate company my Monthly bill. CAPITAL ONE understood my situation and allowed me an extra week after my payment was due (eg. waiting for the reimbursement of that 2nd company). Little things in Life Mean the Most. Thank You again, Capital One!!!!
Reviewed Nov. 12, 2024
Ms. **'s excellent phone demeanor as well as product knowledge was above and beyond her job description. The personal effort she made was obvious. Helping to start the process resolving unauthorized purchase on my debit card. Every effort for teamwork resolution- perfect!
Reviewed Aug. 8, 2024
I am happy with my card except when I ordered something, I didn’t receive it, I filed my claim, and Capital One still charged me for the product I never got. Now I have another charge that I will not try to recoup because I don’t have faith in the company.
Reviewed July 5, 2025
I had a Autofinance account with them and it was closed with gap insurance. It underwent maintenance then was reopened and a balance of $500 added. I would say, do not believe any of their customer service, they just lie to you. Now I have to dispute things with credit agencies because they did not have their financial sorted out in the beginning. They honestly did not do their job and have continued to screw up the entire time. I wouldn't do another step of business with them.
Reviewed July 3, 2025
Didn't give me joining points because I was off by $50. Capital One Shame on you for treating a longtime client like you did. I'm beyond livid and will be cancelling all my accounts with you but that doesn't matter anymore, we are done. You saved yourself a couple of dollars but you lost a lifetime client. #capitalone
Reviewed July 1, 2025
They sided with TruGreen when they charged my debit card without my consent. I had my life savings in this bank, profiting off me, and they decided to side with a shady business! They lied and gave me the runaround when I disputed the charges. I moved my money out of that useless bank!
Reviewed June 27, 2025
I've been using CapitalOne since 2017 and always recommending it to families and friends literally every single time banking and savings are discussed. Currently, I have 5 accounts with CapitalOne. I was wondering why there are so many negative reviews, yet I didn't have any issues with them and thought maybe customer service was really bad - and I don't really experience it since I am mostly doing online banking.
I opened up an account for my mother who is no longer working, and not familiar with online banking. I signed her up for credit (and deposited the $200 minimum required funds to get a credit card - which was new to me. I was never required to do that in the past). I also opened up a savings account for her so I can easily just give her a spending allowance, and initially deposited a $500 check.
She received an email that there seemed to be a problem with the account, and so we logged in to her account to check. There's a note to call the CapitalOne number, and so I did. I am always very calm and respectful, but this lady we spoke to really did test our patience. My mother just migrated with us, so she is not really comfortable yet speaking, and completely not familiar with online stuff. As usual, since it was me calling, she needed to verify and talk to my mother, so I handed my mother the phone and proceeded with the verification.
I was trying to transfer from my CapitalOne account to my mother, but the CapitalOne online banking is not letting me do that. So I wrote a check using my business checking in order to make the required deposit. The lady sounded like we were doing fraud or something, and she needed to verify the business. She asked for my number and my business number. I gave it to her and told her she can just call and ask who the owner is. She cannot verify if I really am the owner of the business, so I asked what steps she's doing to verify. It wouldn't be a problem to me since I really am the owner. No proper answer was given.
To cut the story short, after verifying my mother's identity and sending over her ID thru secured link, the lady still said since I am doing all the talking - her exact words, I should have gotten a Special Power of Attorney first, this and that... I asked what's wrong, can I not help my mother set up her account, and can I not give her funds to spend? She said I can never have access to my mother's account, even though to just help her set-up the account online, and insisted on that Special Power of Attorney. She's also doubtful about the ownership of my own business and how we obtained that check, which is extremely frustrating. Everything could have been handled differently, but making us feel like we are doing something illegal is unacceptable. My mom said just cancel the account, but lady said we cannot and must do it in person.
The terrible reviews about CapitalOne customer service are all true! I am familiar with the use of SPAs, but I doubt I would need that to give money to other people - especially to family members. And I doubt I would need that to help an elderly who is not familiar with using computers to set up an account. OR maybe I'm wrong?? Very frustrating and outrageous. It's true what other people say about CapitalOne, they really don't care about their customers, even long time ones!
Reviewed June 26, 2025
Capital one charged me $10 every time I used Venmo. They said it's cash advance. It's not. I pay venmo, who charges me 3% fee to use my credit card, and then I pay for my purchase. Total rip off. Anybody for a class action lawsuit???
Capital One Company Information
- Company Name:
- Capital One
- Year Founded:
- 1988
- Address:
- 1680 Capital One Drive
- City:
- McLean
- State/Province:
- VT
- Postal Code:
- 22102
- Country:
- United States
- Website:
- www.capitalone.com