Capital One

Capital One

 1.1/5 (73 reviews)

Our promise. We provide a buying advantage with verified reviews and unbiased editorial research.

Overall Rating1.1 out of 5
See all 73 reviews

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.

Pros & Cons


  • 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

Bottom Line

Capital One offers banking services with an extensive network of no-fee ATMs and mobile tools to help manage your accounts. Capital One could be a good fit for you if you live in an area with access to branch locations and pay attention to overdraft charges.

Top Capital One Reviews


I can honestly [say] I have not had a bad experience with Capital One. From their bank services to their credit card, they have been a wonderful partner for me... I know they just...

Read full review

Their rates are good plus their bonus when offered. Help is very good... I like them. Interest is paid monthly, and you always have full access to your funds even if you should cl...

Read full review

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.

capital one venture rewardsRecommended Credit:
Good, Excellent
Best for flat-rate rewards
Venture Rewards
  • 50,000 bonus miles after spending $3k in first 3 months*
  • $95 annual fee, waived in first year
capital one ventureoneRecommended Credit:
Good, Excellent
Best for travel rewards
VentureOne Rewards
  • 20,000 bonus miles after spending $500 in first 3 months*
  • $0 annual fee
capital one quicksilver cash rewardRecommended Credit:
Good, Excellent
Best for 0% intro APR
Quicksilver Cash Rewards
  • $200 bonus after spending $500 in first 3 months*
  • $0 annual fee
capital one savor rewards credit cardRecommended Credit:
Good, Excellent
Best for bonus categories
Savor Cash Rewards
  • $300 bonus after spending $3,000 in first 3 months*
  • $95 annual fee, waived in first year
capital one savoroneRecommended Credit:
Good, Excellent
Best for no annual fee
SavorOne Cash Rewards
  • $150 bonus after spending $500 in first 3 months*
  • $0 annual fee
capital one spark cashRecommended Credit:
Good, Excellent
Best business card for rewards
Spark Cash
  • $500 bonus after spending $4,500 in first 3 months*
  • $95 annual fee, waived in first year
capital one spark milesRecommended Credit:
Good, Excellent
Best for business travel
Spark Miles
  • 50,000 bonus miles after spending $4,500 in first 3 months.*
  • $95 annual fee, waived in first year

*See terms and conditions

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

  • Recent
  • Oldest
  • Most helpful
  • Any

A link has directed you to this review. Its location on this page may change next time you visit.

How do I know I can trust these reviews about Capital One?
  • 4,243,660 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.
Page 1 Reviews 0 - 10
Verified Reviewer
Original review: May 21, 2023

This card is my oldest account which is the only reason I'm keeping it. I've never been late on a payment, never gone over my limit, or had another negative mark on my account. I was recently able to pay off most of my debt, including this card, and was planning on keeping it for emergencies only, the interest rate is high and the rewards aren't great. But even with it being completely paid off they just cut my credit limit by half, by over $5,000. So after a divorce and working really hard to get my credit score to over 800 it's dropped to 740 just from this. And I still have to pay an annual fee for it. I wouldn't recommend Capital One to anyone.

Be the first one to find this review helpful
Verified Reviewer
Original review: May 21, 2023

They took TWO ACH payments which would overdraw my bank acct l and when I called to make sure only one would be processed, it was too late to stop. I understand that but when they told me the process in which they refund payments, I was beside myself. It would take about THREE WEEKS to receive it. They told me that it would take 5 business days to confirm it cleared my bank, 10 business days before they issue the check and another 5 to actually mail it out. Like REALLY?! This process is absurd. 1984 called and they want their pony express back. And the guy on the phone just kept repeating himself over and over and over. It was beyond annoying and frustrating.

Be the first one to find this review helpful

Not sure how to choose?

Get buying tips about Credit Cards delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Verified Reviewer
    Original review: May 18, 2023

    Horrible interest rates! My credit score is a 780 and I've had the same card with Capital One for over 10 years. They continue to raise my credit limit but have me locked in with a ridiculous interest rate. I pay my bill before time and have never missed a payment. Yet, they are not willing to lower the interest rate. This should be a crime.

    Be the first one to find this review helpful
    Verified Reviewer
    Original review: May 17, 2023

    I have been a customer of Capital One for many years. I have always paid my account off in full and in time. Without warning Capital One put a stop on my charge account. I had no idea what the issue was. In February I sent a check for $1438.70 made out to Capital One. The check was cashed by Citibank using my Capital One account number. I have spent hours on the phone with Capital One and Citibank. Nobody will help. Capital One told me there's nothing they can do. They added interest charges to my bill. Citibank told me they could not identify the cashed check without a Citibank account number. There is no Citibank account number.

    They used my Capital One account to cash the check. I spoke with supervisors and managers and they would not resolve this issue. They won’t even try. It is unimaginable that a big corporation like Citibank can just take my check made out to Capital One, cash it and refuse to return my money. I do not have any accounts with Citibank.

    In April I paid my bill Capital One in full as soon as I received it. It was cashed by Capital One on April 27. I just received my May bill from Capital One. The new bill shows zero balance and yet they have charged me $18.66 for interest. Once again I called to find out why I am being charged interest when there was a zero balance. The answer to the question was there’s some sort of rolling balance. There is no balance. I paid the bill off in full. Here it is May 17 and I still haven’t gotten my refund from Citibank and Capital One.

    Be the first one to find this review helpful
    Verified Reviewer
    Original review: May 13, 2023

    Hello everyone, I created an account just to text here so that people can see what happened and know what they can face if things won't get fixed. I needed a credit card and applied for two different banks, one of them was Capital One. I got two credit cards and have used them till now (4 months total till today). This is such a great review because you can compare and see the difference! Both banks give cash bonus for new customers, I'm eligible for all requirements.

    Bank A gave me $1000 limit of credit card, and capital one $500 (by the way I do make good salary so I didn't understand why I got $500 from capital one). 4 months later I called two banks, bank A, I asked for limit increase and wanted to know about cash bonus. I have $3000 credit card limit now and I will get cash bonus within 6 weeks. In comparison to capital one I didn't get even a chance to try increasing my credit card limit also, even though I was eligible for cash bonus when I applied online, they didn't even listen to my situation.

    2 different customer service and one supervisor. I gave up already and told them: "I'm a developer and I'm telling you there's a glitch in the system. Please escalate this and try to fix this bug (if there's a broken piece in the code that causes problems) because you don't see I'm eligible on your screen but I'm telling you that I have all requirements to get this cash bonus." Nope... They didn't even care. Nothing personal though, but work ethics, system is all bad. This is happened all today. Two phone calls two different banks! BE AWARE PEOPLE! Worst experience ever, thank you.

    Be the first one to find this review helpful
    Verified Reviewer
    Original review: May 9, 2023

    I have been using their credit card to run my business for several years as 2% cash back is very attractive. I spend 30k a month or so and pay the balance monthly. I have a 780 credit score as well. This well run (sarcasm) organization froze my accounts with a 0 balance because they said they sent a letter last month asking for some tax info. I of course did not receive this letter, phone call or text. I provided the info they asked for and they will active the account 7-10 business days after receipt. This is ridiculous when trying to run a business. No phone call and they admit it, no text and they admit it as well although they will text you fraud alerts and call to offer me more credit services. I will be opening a Wells Fargo credit card as they offer 2% cash back as well. I am sure it will be delivered prior to Capital One unfreezing my current card.... Morons.

    2 people found this review helpful
    Verified Reviewer
    Original review: May 4, 2023

    I mailed Capital One check to MetLife to pay the Insurance, Met life did not receive it, But the check cashed on on Jan 9, 2023. MetLife need me to show them the copy of the returned check, I got the copy, but the back check did not show any deposit information, no Met Life stamp in the back of the check. I called Capital One twice, they don't know where the fund deposit to. They don't know how long it will take to find out. I repaid MetLife already. 2 months, still no response from CapitalOne.

    Be the first one to find this review helpful
    Verified Reviewer
    Original review: April 27, 2023

    I have been with CC since 2015 with multiple CC and Checking accounts. I became behind on one of my CC, which I admit, I paid off my $1149.00 balance to 0 last night via my cap 1 360 checking account, the payment cleared last night and posted to my account with a 0 balance, when I looked at my account this morning it said "restricted" and to call customer service.

    I did, and they said "Thank you for paying your balance off, however, your account has a permanent restriction that can not be lifted," I said "Why, I was NEVER notified that I had a restriction on my account at all", She placed me on hold, came back and said "Unfortunately, your account is not elegible for a lift because you were not enrolled in (inaudible) restriction program." I said "WHAT program? I have no knowledge of any program I should have been enrolled in when I opened this Quicksilver CC account in 2015. I have no idea what you are talking about." She again said, "I understand your frustration but it is a permanent restriction, you can APPLY for the card again"! I said, "So this means my account is closed?" She then said "No it is open but not for use." I said, "Are you seriously telling me I just used 3/4 of my paycheck to pay off this balance for you to say I can't use this card and I can APPLY for another one"!!!

    This is absolute ***. I am soooo angry at Capital One right now!!! I have been a good customer, with multiple accounts, but never had an account closed, (this one is not closed either BUT I CAN'T USE IT!! I am BEYOND UPSET and EXTREMELY DISAPPOINTED in CAP 1- I believed in them so much that I closed my Bank of America account and opened 2 360 checking with savings. I am so angry that I will CLOSE ALL of THEM and return with BOA.

    Capital one should be ashamed of themselves- you have a long-term customer using your products (making you money) to rob me and take away my privileges for a minimal mistake, and feed me a line of *** that I was not enrolled in a "Restrict program." ** does that mean. So many people do not pay off debt, yet you want to penalize a long-time customer who did.

    I will be reporting this to the BBB along with every damn review site I can leave. I am not rich and live paycheck to paycheck like most, I do believe in paying what I owe- I did that, but was fed a *** scam. User's recommendation: DO NOT SUPPORT THIS COMPANY- THEY WILL NOT NOTIFY YOU THAT THEY HAVE RESTRICTED YOUR ACCOUNT- YOU PAY YOUR BALANCE IN FULL AND THEY TAKE YOUR MONEY BUT NEVER LIFT THE RESTRICTION.

    Be the first one to find this review helpful
    Verified Reviewer
    Original review: April 26, 2023

    Received a promo email to add a second user to an existing account and spend $1,000 by April 28, 2023 and receive $100. Conditions were satisfied and no $100 appeared in the account. 3 calls and no satisfaction. Escalation to supervisor level and nothing has changed. Beware of Capital One and their bogus fraud promotions.

    Be the first one to find this review helpful
    profile pic of the author
    Verified Reviewer Verified Buyer
    Original review: April 22, 2023

    I have never encountered such harassment, discrimination and bumbling incompetence as I have with the fraud dept of Capital One 360. My wife was offered a Savor credit card after YEARS of checking and savings with debit card, etc. When the card arrived she tried to activate it but they ignorantly demanded that she send a photo of her driver's license. We decided that level of harassment and incompetence was over the line so the new $5000 limit credit card went into the shredder.

    I understand the need for security but their fraud dept is totally incompetent. They held the line and demanded the driver's license but refused to even give a clue about what their reasoning was. So after much hoop jumping and unprofessional garbage we managed to close her checking, savings and her Savor credit card. This level of incompetence in a fiduciary is inexcusable and dangerous.

    Be the first one to find this review helpful
    Loading more reviews...

    Capital One Company Information

    Company Name:
    Capital One
    Year Founded:
    1680 Capital One Drive
    Postal Code:
    United States