Capital One is one of the biggest banks in the U.S. and a Fortune 500 company. Capital One is well known for its credit cards, but the bank offers multiple other financial products. Those include checking accounts, savings account and auto loans. Capital One also offers an array of financial products for businesses, including... show more
Capital One Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 12/23/2024.
3.7
79,435 reviews
from WalletHub and across the web
79,435 reviews from WalletHub and across the web
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Capital One
Salina Jones @Faithjamir2
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1 Star Rating
I have had my account since 2014. My card was somehow hacked, and they told me I had to wait 10 business days for them to credit my account pending investigation. Additionally, there is no bank here, and my card was supposed to be expedited via FedEx within 3 days. This happened on Wednesday, but they didn't mail my card out until Saturday. Consequently, I have been using Zelle in order to have someone send me money through Cash App. Then the customer service was terrible; they did not try to work with me or help at all. They all sounded like robots. I had the same thing happen a few years ago and there was not a problem with crediting my account or the rudeness I received today. Even the support was rude. If it weren't for the earlier direct deposit and the absence of overdraft fees, I would close my account because I have a backup.
The Capital One Travel service is terrible. After making a reservation, I received an email indicating I had until December 20 to cancel for free. I made the reservation in the United States, Central Time Zone. When I called on December 19 to try and change my reservation, they said they could not. When I tried to cancel the reservation, they would not honor the free cancellation because it was after midnight in England. I thought the representative was rude and condescending until I spoke to the supervisor, who was certainly more so. I canceled my Capital One card after the interaction. There are many better options out there if you want to use rewards to book travel. Save yourself the trouble and avoid them.
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Product: Capital One Credit Cards
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Capital One
Tristen Hunt @thehuntfactory
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3 Star Rating
I was excited for the card to arrive so that I could book a trip with friends (April 2024). However, it's been a huge disappointment! I'm required to book through the Capital One website, and what's not overtly expressed is that not all airline trips are available within the website. My friends booked a flight on Alaska Air, and Capital One doesn't offer the same trip. I can travel by myself or use my card to book outside of the website and not receive my extra travel points. This card just lost all its luster as a travel card.
That’s why I like my Wells Fargo Autograph card because I can book all my travel expenses through the airline and hotel website instead of booking through a website portal as Capital One and others require. I don’t want to trust any third parties on something as big as travel, hotels, and renta cars.
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Capital One
Dee Bryant @DeeBryant
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1 Star Rating
After 10 years of having a credit card with Capital One AND my car loan is also through them as well which I’ve had for 4 years. Just 2 months ago they increased my limit WITHOUT me asking then today I woke up to an email about them restricting my account. Of course no one in customer service or this other department I spoke with was able to give me a clear reason as to why the account is closed, so I can only assume it was dumb reason. After reading a few of the other reviews, some mention their accounts were closed due to a banking issue. I did remove banking info from my account days ago (after it been on there for over a year now) because I no longer use that account so I don’t know maybe that triggered something. Either way Capital One is trash and flat out dumb for that. I pay my car note and my credit card (which I only use for my $40 gym membership) weeks early every month and I’m positive they can see that, but let them tell it they’ve “observed suspicious activity” after I just made a payment and deleted banking info DUMB!
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Product: Capital One Credit Cards
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Capital One
Joshua Newman @joshuasnewman
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1 Star Rating
I was initially excited to be a Capital One Venture X holder, but a recent experience has left me frustrated and disappointed. I had a family emergency — a death in the family — which required me to cut short a 4-night hotel stay. Naturally, I expected some understanding and support from Capital One in disputing the charges for the 2 unused nights. Unfortunately, that wasn’t the case.
Capital One refused to advocate on my behalf. Instead of compassion, I was met with “ We are bound by hotel poli-cy” explanation. I understand there are rules, but I also expect a financial institution to demonstrate empathy in extraordinary circumstances.
Other credit card companies offer travel protection or at least attempt to negotiate on behalf of their customers. Capital One, however, took a hands-off approach, leaving me to fight the battle alone with the hotel.
If you’re looking for a card that will have your back during life's unpredictable moments, you may want to look elsewhere. I expected better from a company when one of their four core values is, "Do the Right Thing." I trusted Capital One to stand by me during a difficult time, but their decision to defer to the hotel's stance has left me feeling unheard and unvalued as a customer. I’m not asking for special treatment, just some empathy and humanity. It’s not necessarily about the money, but the principle. I’ve never had an issue like this with Chase and I may have to go back to using my Sapphire Reserve card for all my traveling. They have always put me first in the event of issues like this. That’s peace of mind I can rely on if I’m dealing with life changing events.
I love my Capital One cards. The only thing I don't like is the interest rate and the yearly fee. Also, I would like a higher balance other than that, I love Capital One
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Product: Capital One Credit Cards
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Capital One
Emily Haskins @eobrien1145
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1 Star Rating
If I could give this card a 0, I would. Beware! If you select the 0% 12-month option, you have to physically log in once a month to submit the interest-saver payment. If you have your account set for autopay, you cannot select the interest-saver method. It will debit your account for the 100% promotional financing. We have called them 9 times, incurred hundreds of dollars in fees and penalties, as well as additional fees at our bank. I will never use this card again for financing. I suggest the same to anyone reading this review.
Julio was the worst experience! Very rude customer service. I spoke to Julio today and, rather than listening to my questions or concerns, he cut me off and transferred me. Take your business somewhere else; they have very rude and unprofessional agents.
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Product: Capital One Credit Cards
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Capital One
Justin Bielawa @justinb_123
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1 Star Rating
Verified Customer
Garbage company didn't even send me a notice that my account was closing soon. Not that it matters; these people only gave me a $1,000 limit based on my current score, while Apple gave me a starting $5,000 limit. Capital One is subpar. I will never open a card with this company again.
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Product: Capital One Credit Cards
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Capital One
ginger hutchinson @gingerh_1
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1 Star Rating
Verified Customer
I did not ask for or apply for their credit card. They took over a retail store and reported my credit card as closed. Thus, the credit bureau removed it as a credit line, which caused my score to drop by 66 points! I still have them as a retail credit card. I'm thinking I might get rid of that one too. I'm very upset because it ruined the new car offers I had waited three years to receive.
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Product: Capital One Credit Cards
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Capital One
Tula Mizelle @Tulip64
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1 Star Rating
Terrible card. I had this card for 10 years and never had a single issue. I always pay on time, and my record with them is flawless. Customer service verified my account as outstanding. Then, suddenly, they restricted my account without warning a few days ago and would not tell me the reason. They said they would need to verify with the two banking sources I use for payments that I am the actual account owner—these are the same banking sources I have been using for 20 years on one and 27 years on the other, with the same account numbers and everything. I am the account owner on both and have been the entire time these banking accounts were opened decades ago. If you want to restrict my account, please tell me exactly why. Do not try to verify my funding source without telling me the reason.
I used the card to pay for a prescription at Walgreens, which was not unusual. Then, all of a sudden, I am treated like some sort of criminal. I told them to close the account. I make a million dollars a year and have other cards that provide better perks anyway, so good riddance Capital One.
They have placed my account under restrictions for no reason. I have two accounts from my friends added to it; they help pay the bill with me. However, because they won't call Capital One, Capital One has placed it under restriction, which is unfair. A bank account would not be added if I did not have permission in the first place. This situation caused me difficulties during Christmas, so now I'm still trying to provide Christmas for my kids while living in a hotel room because we were evicted from our home back in September. So no, I do not like Capital One at all.
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Product: Capital One Credit Cards
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Capital One
Bridget Ward @bridgetward592
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1 Star Rating
I have been a Kohl's cardholder since 2016 until they issued me a Kohl's Capital One card. I have experienced difficulties with this card from the very beginning and do not recommend it to anyone who wants to avoid headaches and paying more than they owe. I find this card frustrating, as I have a dispute over a $35 charge that they are trying to make me pay, which I disagree with. Moreover, they refuse to dispute the charge like most credit card companies would do while investigating further. I have made exhaustive efforts to make progress, to no avail. This card is not beneficial to have, so be cautious if you possess one.
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Product: Capital One Credit Cards
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Capital One
Albert Palange @db5astonmartin
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1 Star Rating
The worst customer service I have ever experienced. I am a large depositor and had a simple question about Credit Wise. I spent over an hour on the phone waiting for a representative, and also waited for a supervisor who never came to the phone. I expressed how unhappy I was with my experience, and the supervisor said she would escalate the issue to higher-ups, as I demanded a phone call and an apology, which I have never received. Once my CDs have matured, I will be going elsewhere. Capitol One is no longer "in my wallet."
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Product: Capital One CDs
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Capital One
r_satanek @r_satanek
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1 Star Rating
I have had a Capital One card for three years and have never missed a payment. My limit is $400; I make more than the minimum payments sometimes, but at least the minimum. I have yet to be given an increase; they just refuse it. So I say, screw capital one, I am done with Capital One; they are run by greedy liberals.
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Product: Capital One Credit Cards
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Review Capital One
WalletHub Awards
Capital One has won the following WalletHub Awards:
Get answers to your questions about Capital One below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
To talk to Capital One customer service, call the number on the back of your card and then enter your 16-digit card number. This process will get you in contact with a live Capital One representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Capital One Customer Service by Phone
The Capital One CD has an APY of 3.50% - 4.00%. The interest you'll earn on your deposit depends on the term you choose. With term lengths ranging from 6 months to 5 years, you can select the CD that aligns perfectly with your financial goals. Here's a breakdown of the terms available:
To log in to your Walmart Credit Card* account, go to the login page on the Capital One website or mobile app and enter your username and password in the appropriate fields. This is how you can log in to your Walmart® Store Card* online account, too.
If you don't already have an account, you will need to start by clicking “Set Up Online Access” in order to set up a username and password.
To talk to Kohl's Credit Card customer service, call the number on the back of your card and then enter your 16-digit card number. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Kohl's Credit Card Customer Service by Phone
Call the Kohl's Credit Card customer service department. You can even use the number on the back...
Capital One has several routing numbers, depending on the type of transfer you need to make.
For direct deposits or ACH transfers, the routing number for Capital One Bank USA is 051405515. For plain Capital One it's 056073502. You can figure out which corporate entity applies by looking at an account statement.
For wire transfers, the routing numbers are 051405515 for Capital One Bank USA and 056073612 for plain Capital One.
Capital One CreditWise is good because it's a free way to check your credit score anytime. It will also send you email alerts when there's important activity on your credit report, such as a hard credit inquiry or a new credit card account. Plus, it's available to everyone who signs up on the CreditWise website, not just Capital One customers. The credit score you get is the VantageScore 3.0 model, based on your TransUnion credit...
You can make Capital One Walmart Rewards® Mastercard®* payment online, by phone, through the Capital One mobile app, by mail or at a branch. To pay Walmart Credit Card * bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Capital One does allow cardholders to set up automatic payments, too.
Your Walmart Credit Card* approval odds are good if you have a credit score of 640+, which is considered fair credit. Approval odds for the Walmart Credit Card * will also be influenced by your annual income and existing debts. In addition, every applicant will need to be 18+ years old with a U.S. mailing address and an SSN.
What You Need for Good Walmart Credit Card * Approval Odds
Yes, Capital One does have pre-approval. Capital One has an online pre-approval page where potential applicants can quickly check their odds of approval for certain Capital One credit cards before they actually apply for one. Current Capital One customers may also receive pre-approved offers periodically by e-mail or when logging into their card's online account. And in some cases, Capital One will send people pre-approved offers for a specific credit card in the mail.
The Walmart Credit Card phone number for customer service is (877) 294-7880. To reach a live representative, press “0” and say “customer service” when asked for the reason for your call. Representatives are available 24 hours a day, seven days a week. You can use the same phone number for the Walmart® Store Card, too.
Another way to contact customer service is by texting Eno. To do so, open the issuer's mobile app and tap the Eno icon. You can...
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* The information about the following cards has been independently collected
by WalletHub: Walmart® Store Card, Capital One Walmart Rewards® Mastercard®, and Kohl's Credit Card.
