Capital One

87,017 Reviews

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 07/01/2026.

3.6

What's Your Rating?

Mike Digennaro
July 1, 2026 • @pagetrack

Verified Customer

Great

Product: Capital One Credit Cards

Comment

bobclowers
July 1, 2026 • @bobclowers

CapitalOne issued an offer for a savings deposit of $20,000.00, and receive a $1,500.00 reward after 3 months. What they dont tell you up front, is that you can not use your checking account money. So you would need to transfer the money out of your account and into another account at another bank, then transfer it to the savings account. They also don't tell you about the 3 tier system that the actual deposit needs to be $100,000.00 and anything less pays out less. I wasted my time with this company, because there's lot of fine print. Not worth doing business with. There are far better companies to handle your savings

Product: Capital One Savings

Comment

Frank C
June 27, 2026 • @FJCon3

Verified Customer

A card holder for years with minimum to no balance. No late payments for 10 plus yrs. Lowers my limit from 10500. To 2000. This is not thw problem because I use the card for perks. But now my FICO score dropped . Really. Poor business

Product: Capital One Credit Cards

Comment

sankalp20135
June 27, 2026 • @sankalp20135

Very hard to get issues resolved, their reps lack basic knowledge, comprehension and systems training.. very bad experiences thrice

Product: Capital One Credit Cards

Comment

Xe Yi
June 27, 2026 • @minarollij14

This is ABSOLUTELY the worst service I have ever encountered. They do no listen to a word you say and I thought it was the representative, so I asked to speak to his manager Ram, who was even worst. Literally, speaking over you and honestly not worth dealing with

Product: Capital One Credit Cards

Comment

revzdiesel
June 25, 2026 • @revzdiesel

Closed my account without notice or phone call while I was on vacation??? Payment was current???

Product: Capital One Credit Cards

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anita_202086
June 23, 2026 • @anita_202086

This card is a snare and a delusion. I signed up because the card has no foreign transaction fees. The catch is: you can't actually use it overseas, unless you have your phone on roaming. They say, "Oh, we don't do travel alerts any more, we just look for suspicious activity for your protection. Don't worry, you'll be fine." But any overseas activity -- including tickets to major tourist attractions or transit passes (things tourists are likely to buy and fraudsters are not) -- gets flagged as suspicious. That means they push an alert to your phone and won't process the transaction unless you respond to it. Traveling without a phone? You're outta luck. No cell service? You're outta luck. Using an eSim? You're outta luck. Using a burner phone? You're outta luck. This isn't a credit card, it's a phone prosthesis. And, of course, it's all for THEIR protection, not yours. You're not on the hook for fraud in the first place.

Product: Capital One Credit Cards

Comment

Elissa Santa
June 23, 2026 • @NormalGirl23

I applied for the Capital One Savor credit card in March 2026, mainly for the $200 cash bonus at the time. I was approved, but what I wasn't told at the time was that I was approved for a lesser version of the Capital One Savor card, and I no longer qualified for the $200 bonus. Now, I was not told this anywhere. Not on the approval page, not in my terms and conditions, etc. According to the people I talked to at Capital One, I should have noticed that the bonus was not mentioned anywhere in my paperwork and should have known at that point that the bonus was no longer on the table.

I have applied to credit cards that have had bonuses for their best credit cards (reserved for those with high credit) and those credit cards declined me. No harm, no foul. I would have preferred that Capital One had done the same. If I had been declined, I would have simply moved on and tried my luck elsewhere. Instead, I thought that I had been approved, and then I proceeded to waste my time and money on this worthless Capital One credit card.

There is actually a class-action lawsuit in the works that started in 2023 (https://www.classaction.org/news/capital-one-hit-with-class-action-over-allegedly-deceptive-quicksilver-savorone-rewards-credit-card-sign-up-bonuses) so they are well aware that what they are doing is considered predatory and deceptive.

So, for those of you who are applying for this credit card for the sign-up bonus, make sure you follow up and double check that you actually qualified for the bonus. Don't just assume like I did.

Anyway, I thought I should let people know that supporting Capital One is basically supporting a company that is unethical, doesn't care about their consumers, and actively uses predatory and deceptive practices without any remorse. I submitted complaints through BBB, CFPB, and my state's attorney general and basically got nothing back. So don't assume that you'll ever have any leverage against them.

Product: Capital One Savor Cash Rewards Credit Card

Comment

Mommaellis201907
June 23, 2026 • @Mommaellis201907

I've had this card for 3 years always made payments on time. Went on vacation they closed my account zero explanation. When I called they just wanted me to apply for a new account!

Product: Capital One Credit Cards

Comment

bvanpope
June 23, 2026 • @bvanpope

Awful company and customer service. Avoid, trust me

Product: Capital One Savor Cash Rewards Credit Card

Comment

Jerry Washington
June 23, 2026 • @mssukiwashington63

Verified Customer

PAID in full but you have me as missing a payment.. messing up my credit

Product: Capital One Credit Cards

Comment

abb
June 22, 2026 • @doua14938

The worst bank you would deal with. They closed in many locations they don’t pick up on the phone minimum wait 30 minutes.
Don’t expect from them to fix or solve any kind of problem.
The worst bank service in the world .

Product: Capital One Checking

Comment

steelrosearts
June 22, 2026 • @steelrosearts

I needed to file a dispute and provided very detailed records of what they asked for and they said I lacked everything they asked for. I went down the whole list and sent them everything. Can definitely see they are not for the customer.

Product: Capital One Credit Cards

Comment

liz balm
June 22, 2026 • @ebalmer1992

All the sudden, Capital One will come at you with suspicious activity! Happened to me twice...just when I needed to use my card! Why can't they just ask me and I say if it's me or not???!!! Horrible way to do business especially when you are deaf and disabled. I'm done with them!! Worst card ever!!

Product: Capital One Credit Cards

Comment

Connie Co
June 21, 2026 • @connieco70

Verified Customer

I had Capital One before but due to unforeseen circumstances I had to let it get turned into credit collections. But thank goodness they took another chance on me and I don't plan on using it unless it is a absolute necessary and there is no other choice. I've always liked this card. Destiny and Aspire is the one to stay away from!

Product: Capital One Credit Cards

Comment

Review Capital One

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Awards

Capital One has won the following WalletHub Awards:

Best Looking Credit Cards Best Travel Credit Cards Best 2% Cash Back Credit Cards Best Credit Cards for Cruises ...show more

Capital One Offers

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Capital One Q&A(3118 questions)

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

Upvotes

How can I reach the Capital One credit card customer service?

Lucy Sanders

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

Call the Capital One customer service department at the number on the back of your card.
Enter your 16-digit card number
Speak to the live representative.

If talking to Capital One customer service over the phone is not a good option for you, there are a few alternatives available.

Upvotes

What are the Capital One CD rates?

Ramses Delgado, Banking Moderator

The Capital One CD has an APY of 3.20% - 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:

6-Month: 3.20% APY
1-Year: 4.00% APY
2-Year: 3.50% APY
3-Year: 3.50% APY
5-Year: 3.60% APY

It's important to...

Upvotes

How can I log in to my Capital One Walmart Rewards Mastercard account online?

Maria Adams, Credit Cards Moderator

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.

How to Log in to...

View more answers

Upvotes

How can I talk to Kohl's Credit Card customer service?

Peter Danes

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...

Upvotes

What is the Capital One routing number?

Sydney Garth, Credit Cards Moderator

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.

You...

Upvotes

Is Capital One CreditWise good?

Joseph Bulebush, WalletHub Analyst

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...

View more answers

Upvotes

How can I pay my Walmart Credit Card bill?

Chip Lupo, Credit Card Writer

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.

Ways to Make Walmart Credit Card * Payment

Online...

Upvotes

What are my Walmart credit card approval odds?

Chip Lupo, Credit Card Writer

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

640+ credit score
Enough income to pay credit card...

Upvotes

How can I talk to Capital One Walmart Rewards Mastercard customer service?

Susan Tate

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...

Upvotes

How do I apply for the Capital One Walmart Rewards Mastercard?

Adam McCann, Financial Writer

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

For more options, you...

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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.