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
Helpful 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.
Still have questions?
Capital One Reviews
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- 4,885,617 reviews on ConsumerAffairs are verified.
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Reviewed April 23, 2026
I’ve had a solid experience with Capital One overall. The app is easy to use, and I like how simple it is to track spending and make payments. Customer service has been helpful when I needed it, though wait times can vary. Their credit tools and alerts are also a nice touch. Not perfect, but reliable and convenient for everyday use.
Reviewed April 8, 2026
I want to give Capital One's Fraud and Security team a HUGE THANK YOU.... They flagged what they thought was fraud and saved me $$$$$$ thousands. Specifically "Jack" I thank you over and over. I appreciate the diligence you guys had in catching the wire fraud.
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Reviewed March 18, 2026
Great service and experiences so I like the way you guys treated the customers, I recommended everyone should be a Capital one member so you will not regret your choice, another to achieve your goal. It would be better to come with this great family because our success is your success!! Thanks Jean Claude
Reviewed March 8, 2026
I see the Capital One credit card as my opportunity to improve credit score, and be able to move forward with first time homeowners program that I have been doing research on. Making on time payments is my goal to establish better credit score.
Reviewed March 7, 2026
So far l have no problem with this card except for customer service I called today because my bank sent me a notification that someone opened up a card in my name and told me to contact Capital One so I called Capital One, spoke to a woman, told her what the problem was and she said, "Oh let me connect you to that department." She put me on hold for 10 minutes and then a recording came on and said we are not opened up only on weekdays. Because she didn’t feel like doing her job. Poor customer service.
Reviewed May 16, 2026
I had a Bass Credit card through Capital 1 - I terminated my gym membership at Club 4 giving them over 45 days notice. Most credit card companies put any disputes on hold. This crooked bank does not so I closed the card and reported them to the Office of the Comptroller of the Currency. My credit score dropped from 815 to 725 - Even though I was given a case number every time I called customer service I had to argue and explain everything over and over. They never sent me a letter regarding the dispute. They are crooks
Reviewed May 16, 2026
I have had this credit card with Capital One for over 15 years. I always pay my monthly balance on time and in full. One fact relevant to this is; about a year prior to this incident, I had to replace my capital one credit card. Capital one mailed me a new credit card with a new Credit card number but on the same current account.
At the end of February 2026, a fraudster charged my credit card for what appears to be a monthly parking payment of $385, the vendor appears to be a major parking lot company. The fraudster used my old credit card account number. I noticed the fraudulent charge on March 2nd 2026. I have never paid for monthly parking. Although I do occasionally pay for parking in New York city, it has never ever been for more than a few hours. I called capital one to dispute the charge. They immediately put a hold on this charge and issued a credit for that amount. However, on March 3rd, they declined my claim of fraud and put it back on my balance.
I called them immediately. The reason they gave me was simply that their algorithm determined this was a genuine charge. After pressing them for more details, the rep reluctantly told me that this was an online charge and that the IP address was consistent with other of my genuine charges. I debated that IP addresses can easily be spoofed and that fact is far from certain proof, but I could not get any more information about this charge and they stuck with their conclusion. I continued to press including the fact that the charge was made on my old credit card number, which I have NEVER again used since I got my new card. That fell into death ears.
I then requested to speak with a manager. The manager gave me the exact same scripted response. I then told them that I would cancel my credit card if they did not do any further examination of this case. They told me I could just do that but that does not change their conclusion. So I did cancel my credit card paid the balance excluding the amount of that charge. Of course, they then apply some late fees of $25 + Interest on the balance. After doing some research for recourses, I found out there is no way to stop them for charging me late fees and interest while I am disputing this charge. So I finally paid it. Of course I could always file a lawsuit with the small claim court. But this is a long and time consuming process.
Bottom line is that Capital one Algorithms are rather poor. It seems that their policy is that if the fraud is not obvious, then deny the fraud claim instead of further investigating it. They did not give any credence to my claim despite having been a good client always paying my balance on time. They also did not consider the fact that the charge was made on an old card number which was never used for almost a year. They did not consider that IP addresses can be spoofed. It looks like if the fraud is not obvious, the policy is to not spend the resources to investigate and to not lose the money, and so charge the client.
Reviewed May 15, 2026
I am an active-duty service member who was recently approved for benefits under the Servicemembers Civil Relief Act (SCRA) through Capital One. On 5/15/26, I called the Veterans Line along with my wife. We were assisted by an employee named Chuck. During the call, Chuck was unbelievably rude and disrespectful to both my wife and me. His tone and behavior were completely unprofessional and left us shocked.
As a service member who has just gone through the SCRA approval process, I am deeply concerned that an employee working specifically on the Veterans Line would treat a veteran and his family with such hostility. I cannot understand why someone in that role would appear to hold such clear disdain for the veteran community that the SCRA is designed to protect. I would like a response on why this continues to happen. Additionally, just called back and got the nicest lady named Cashanda and she completely took care of us. Chuck wouldn't give out any of his information to include his ID number...
Reviewed May 15, 2026
I had an overseas trip all paid for through Capital One. Had to cancel because of changes in our airline flights. I got a total refund back to my card, over $6000.00. I was then told it would take a month for them to cut me a check for my credit. I guess it's my Wells Fargo card from now on. Been a customer of Capital One since 2018. Soooo disappointed!
Reviewed May 15, 2026
I just called to try to recover an account and whoever Sebastian is, hung up on me after I gave my social number, now I not comfortable. That's not ok.
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