Capital One

BY CAPITAL ONE #2 in Banks

4.2 out of 5 stars
  • 5 Stars58%
  • 4 Stars23%
  • 3 Stars11%
  • 2 Stars3%
  • 1 Star4%
(2,561)

Description

Capital One offers credit cards, checking and savings accounts, auto loans, rewards, and online banking services for individuals and businesses.

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Capital One
Capital One
Reviews (2561)
Q&A (41)
Media (6)
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REVIEWS
PRODUCT HIGHLIGHTS
  • "There was one incident where I cancelled an online order from a company but it was still on my card a week later, the customer service rep. made a three way call and we took care of it then and there." in 84 reviews
  • "I also have a couple credit cards from them and they're good, their APR is low and they can be flexible when paying the bills late." in 38 reviews
  • "I love that I can get a free credit score with suggestions on how to improve it and see all of my open lines of credit right from my computer." in 24 reviews
  • "Their rewards, online system and introductory periods are fantastic, but unfortunately, their interest rates are pretty high." in 23 reviews
  • "My interest rates are pretty good for this card, and I have Quicksilver Rewards so I am constantly earning cash back on my purchases." in 21 reviews
Kim T.
Cherry Hill
14 reviews
Eh- this card nickel and dimes. It’s my oldest line of credit so I won’t shut it down but I rarely use it. I hate the $60 yearly fee that they’ll never wave as a courtesy even though I’ve been a member since 2007. This month actually I had a small balance which I paid in full a few weeks after I paid my minimum. I discover a week and a half later that they charged me interest on that balance even though it was paid off due to a daily apr. Customer service is American and very friendly though it seems like they can’t process much on their side they make up for it in friendliness and humor. I ended up paying the few dollars in interest and the cust service rep changed my grace period so I would not accrue daily apr on the few dollars of interest I was charged- how does that ever end? The only upside is they give you a monthly credit score update- but I can get that from my other credit cards minus all of the fees and sneaky interest. I despise this card- not a fan! Capital One
Capital One definitely serves its purpose. However, as with most financial institutions, it is extremely important to gain every bit of pertinent information necessary to prevent any confusion after signing up. Have a list of questions prepared prior to s signing up Otherwise, you will only receive the info your customer service representative provides you with which is informative and important bus basic or at least that was my experience. If you think about how long it would take to go thru every detail, that is why they have the "fine print". the sign up process would take hours. I definitely recommend Capital one as their customer service both in branch and via phone are both very helpful, kind, and are quick to resolve issues regarding your account. They are also very observant as far as charges to the account that are out of the norm such as a 5
$500 charge when yoursrange from $20-$100 usually. A
When this happens they will either decline the charge and send you a text message to get your approval for the charge, or the will give you a courtesy call. I will admit the first time this happened I was annoyed in part by being embarrassed as I was in checkout with a long line behind me(go figure lol) however, more than anything I was grateful after all was said and done and never again have I been annoyed and to prevent such set back at checkout I will give cap. One a heads up prior to my large purchase which saves time as well as other people frustration. I think I've rambled on enough and I hope this is found helpful.
Becky B.
Austin
10 reviews
I love Capital One! I've had a car loan, a secured credit card, and currently a regular/unsecured credit card with them. I have received multiple credit line increases, without requesting them, never had a problem with disputed charges being reversed, and I love the fact they offer 24 hour customer service. Capital One gives people with "not so good" credit history a second chance and that is definitely not something most large banks or credit unions can say they do. I will most definitely continue utilizing their services and will go to them for future lending needs!
Kim N.
61 reviews
I highly recommend Capital One. There are not enough good things I can't say about them. When I was building my credit back up, they were the ones to give me a chance when other credit cards wouldn't. They believe in their customers and want them to do well. The app is wonderful and communications is impeccable. Any time I had a issue with a product they were able to take care of the charge with no problem and made me feel like they were on my side vs the merchant. If there was only one card that you could get, I definitely without a doubt would choose Capital One.
Candace N.
Ponte Vedra, FL
54 reviews
If you’re looking for a basic credit card to help build your credit then this is the one for you. This was one of the first cards I applied for in my younger years and I don’t use it as frequently as I used to because I prefer my other cards for the benefits/airline rewards etc. but I’ve got to say the capital one app is one of the best I’ve ever used finance wise and their customer service is very good too (which is very important to me ); overall a great “starter” credit card; this is the only card I have from capital one
Julia W.
Roseville, CA
41 reviews
While building our credit, Capitol One was the only company that would issue an unsecured card to us with no annual fee. The lack of the fifth star is due to the company having no grace period at all. If you miss a payment by 5pm on the due date , you are late with a hefty late fee. It also takes 2-5 days for payments and charges to process. All in all however, we have been very happy with our Capitol One Journey card. *photo from Google
Kaylee W.
Martinsville, IN
30 reviews
I enjoy having this as an option but I typically refuse to use it. The way they collect payments is absurd. I had submitted my payment MULTIPLE times through their app. Each time it would take out of my account and also reflect on the app. Then I’d get a call a week later saying my account number to my bank was invalid!? Verified through the bank it wasn’t. Super annoying to jump through loops with.
Pamela K.
westpoint, TN
29 reviews
I have had no issues with this credit card. I haven't had any issues that have needed any thing for but customer service has always been very nice and as helpful as they can be.  It has been easy to use and the online system is very user friendly. It is easy to make payments and track your spending as well. The interest rate is fairly high but since we paynit off monthly it hasn't been an issue.
Alexandra Q.
Rosenberg
18 reviews
Really good bank I applied for this card in October 2017 with a credit score of about 580 across the board. Credit karma suggested my approval odds were good. I was approved for a 300 CL. I keep my utilization low (below 30%) and now just 3 months later, my score is in the 650's for both transunion and Equifax. I should add that I have an old cap one credit card in collections on my report.
Shivani P.
155 reviews
This card is great for those who want something they can use everywhere. I love that you can get points and use them for things such as flights or even gift cards (which are more worth it than flights in my opinion). Only reason I give it 4 stars is because I always have issues logging into online banking, and I wish it offered a wider variety of perks.
Chantal H.
Irvington, KY
161 reviews
Do you have a regular capital one card or one with rewards?
Maria R.
Toronto, ON
67 reviews
Any cons to having a captial one card?
Amanda P.
West Milford, NJ
66 reviews
Do you have a Credit Card or Bank Account with Capital One?
Elena L.
Paramount , CA
300 reviews
How much will they start you with ?
Jeanelle W.
Baltimore, MD
4 reviews
What's the best capital one credit card to apply for when starting up credit??

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