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 02/02/2026.
3.7
81,187 reviews
from WalletHub and across the web
81,187 reviews from WalletHub and across the web
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Capital One
Donn Jacquin @shotgunblast
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1 Star Rating
I had a Capital One Credit Card tied to Cabela's. I was happy for several years. I accumulated $750 in points to use at the Cabela's store. Capital One decided they didn't like a payment received. Even though my account was paid in full and was never delinquent, they put a restriction on my account and would not release it. I was not able to use my points even though I had a zero balance. I will never do business with them again.
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Product: Capital One Credit Cards
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Capital One
coustierjaymie @coustierjaymie
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1 Star Rating
Never get a credit card here! They are allowed to approve you for a certain amount of money, then halfway while using it, they put a hold on it. They want all kinds of documents now, but they didn't ask for any of this before handing out a credit card! This is insane how they can get away with this. This needs to be stopped immediately! They are and will ruin people's credit by doing this, which is probably why they do it.
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Product: Capital One Credit Cards
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Capital One
SK Saine @sksaine
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2 Star Rating
Bad Customer Service. Thirty-year customer and they could not offer goodwill gesture for less than $30.
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Product: Capital One Credit Cards
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Capital One
jrus32064 @jrus32064
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1 Star Rating
If I could give negative stars, I would. As of today, I have had three fraudulent incidents (two in the last three months) with my fourth replacement card on its way. Apparently, on January 28th, there were sixteen charges in one day all for Pakistan Airlines, which put me over my credit limit. It took me three hours to clear up. Do they not have proper security? Apparently not. Malindo Air, RAZ Indigo? I've never heard of them. I will be transferring to another bank. J. PIlkington
I have had a credit card with Capital One for a few months with no problems until now. Typically, when I make a payment, my credit limit immediately increases. However, this time, that did not happen. I made two payments yesterday, the first for $50 and the second for $243.07. I always pay my balance in full every two weeks when I get paid to avoid interest charges. I was only going to pay $50 yesterday but decided to pay it off as usual. My payments were made within an hour of each other, but my credit limit did not increase with either payment. This morning, I was given credit for the $50. I checked my bank, by the way, and both payments had already cleared and been processed. I checked my emails and had one from Capital One. It said that my payment for $243.07 may not be credited for a few days and that I might need to go to the app to make sure my bank was connected properly. That's confusing. You just received $50 from my bank, so how could it not be connected properly when you're receiving money from them? I called last night and spoke to a lady who couldn't answer my question about why my credit limit didn't instantly increase as usual, so she just kept repeating the same information. I finally told her that she was obviously unable to answer my question, so we should just end the conversation. After receiving the email, I called again this morning. Some gentleman told me my payment would post on January 31st, even though it was made on the 28th and cleared my bank the same day. I called again. Essentially, they have my money but refuse to give me credit until the 31st unless I connect my bank. They are trying to coerce me to give them access to view my transactions and balances at my bank! Thankfully, I'm not in a desperate situation and can wait until the 31st since they want to adopt that approach. They are in the wrong, in my opinion. I was happy with them at first, but not anymore. I suspect they may be acting this way because I just got another credit card. Could they be jealous? They have my money and refuse to give me credit for it! I don't need to use the card. I just got paid, and both of my children's Social Security checks go into the bank tomorrow. It's the principle of the matter. They already have my money and are just holding it. That's not professional, and I expected more from Capital One.
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Product: Capital One Credit Cards
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Capital One
Debra Worley @debworley34
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4 Star Rating
Verified Customer
I am glad that I had the card at the time, but truthfully, if I don't ever have to get one again, that would be great. The annual percentage rate is way too high.
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Product: Capital One Credit Cards
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Capital One
Robert luiz @redskins73_bl
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1 Star Rating
Verified Customer
Do not get the secured card. They will never, I mean ever, change it to unsecured. Wait until your credit is good to apply because once you get your credit in good standing, having the secured card, you will not be able to apply for the unsecured one.
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Product: Capital One Credit Cards
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Capital One
andrew_keav @andrew_keav
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1 Star Rating
Good perks but awful customer support. I have enjoyed the lounges, but the travel credits are a headache. Before, it used to be fine because you could apply the credits to travel purchases. Now it's gone downhill. They insist that you redeem travel credits only by using their ripoff booking portal (I talked to the unhelpful customer support, they literally refuse to provide any alternative), but the travel portal is subpar to the point of being scammy. I've seen inflated prices, or where they simply refuse to carry competitive inventory. An example today, I see a main cabin flight on American Airlines' site for $821, but the overpriced travel portal is selling the lower tier, economy version of that same flight for $1,142. A higher price for a lower ticket. Then they say the cabins don't match so they refuse to price match and tell me I should just book with the airline and I can't use the travel credit. It's disappointing and lacking in integrity.
I have had the card for over three years now. They have the worst perks lately. They have the worst dispute process, favoring sellers over buyers/customers., lost hundreds there. I have had rental car and hotel cancellations at the last minute without notice, and I got stranded at foreign airports.
The Capital One Quicksilver is a solid cash-back card that I've had since opening the account in 2014, and I've been a Capital One customer for about 23 years. The unlimited 1.5% cash back on every purchase with no annual fee makes it easy and convenient for everyday spending, and the rewards system is simple to use. That said, I’m not fully satisfied because Capital One tends to be very conservative with credit limit increases, doesn't seem to value long-term customer loyalty, and carries a relatively high interest rate compared to other issuers. Despite those drawbacks, it's still a good, reliable card overall, especially for simple cash back, but it could be much better if Capital One treated loyal customers more generously.
Don't fall into the trap. High interest and never a limit increase.
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Product: Capital One Credit Cards
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Capital One
Jerry @gapoet40
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1 Star Rating
They said my credit would not be pulled if I got pre-approved for a new card. However, they requested my credit report. Why? Isn't that false advertising?
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Product: Capital One Credit Cards
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Capital One
Houston Nichols @hnich37657
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1 Star Rating
My wife and I have been involved in an ongoing dispute with Capital One Venture regarding a merchant who fraudulently charged us for a part and service that was not provided. As requested by the Capital One Dispute Department, we have provided numerous irrefutable documents, photos, and in-depth explanations regarding the dispute and have been repeatedly denied. Capital One is not your friend and will not fight for its customers, even when supplied with such evidence. We will never use Capital One again! The Dispute Department is a joke! Shame on you!
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Product: Capital One Credit Cards
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Capital One
Emily Bullard @missihippi92
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1 Star Rating
They canceled a credit card of mine without even telling me. Then when I asked what happened, they could not figure it out. Now I have some interest built up on a card that I could never use. Worst bank ever.
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Product: Capital One Credit Cards
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Capital One
marbleton19 @marbleton19
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1 Star Rating
Capital One scams you of the $200 bonus on the Savor card unless you have an excellent standing (740+ credit score). You get pre-approved for the card, but they don't tell you that you don't get the $200. Many others have encountered the same issue. Refer to Reddit for discussions on the "Capital One Savor $200 bonus scam"
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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 3.60% - 3.90%. 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 of your card.
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 your 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
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...
You cannot apply for the Capital One Walmart Rewards® Mastercard® * right now, because applications for the card are no longer open at this point in time. The Walmart Credit Card * has been unavailable to new applicants since May-24. However, there are other cards available from Capital One that you can apply for online, by phone or in person.
Similar Cards to the Walmart Credit Card * You Can Apply For
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We work hard to show you up-to-date product terms, however, this information does
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Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
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* The information about the following cards has been independently collected
by WalletHub: Walmart® Store Card, Capital One Walmart Rewards® Mastercard®, Kohl's Credit Card, Amazon Credit Card, and Target Credit Card.
