Capital One Mobile

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Reviews Reviews the App Store features, not the newest.

From 11,209,705 ratings.

1. ★★★★★ Excellent but not for small businesses MJ Livingston · 1 Jul 2026
   I have been a Capital One member for over 20 years. Although my accounts offer decent interest rates, 2-day advanced direct deposits, and no fees and have allowed Capital One to use tens of thousands of my dollars over the years, Cap One would not allow me to open up a business checking account ONLY until they saw that I put a certain amount of money in another bank’s business checking account I opened several years later. For the first time in years, Capital One offered me an opportunity to open one! I also attempted to get a small business loan but they only consider you a small business if

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   you are making $250,000k or $50k in gross receipts. I am a disabled, black & woman owned business and I am simply trying to make a living. Do they know that black women-owned sole proprietorships & self-employed with no employees only average $24k annually in revenue? In 2024 the black women-owned businesses only averaged between $47-$58k annually in revenue. Do they understand some businesses aren’t even achieving 50k in revenue aside from 50k in gross receipts? My last question is do they care or only interested in serving and assisting richer clients? I truly believe they are missing out on a market segment that is eager to receive access to funding and as a result, the bank will be rewarded with higher payoff percentages & lower deficit portfolios for those same customers. ~MJ Haskins, Owner, Covenant Financial LLC, Middletown, DE.
2. ★★★★★ Been good to me and I’ve had an up and down life Asmey123 · 22 Apr 2026
   I love the simple app, easy to navigate. Not sure why some people don’t like capital one in the reviews. They’ve been good to me even when I was at my worst times financially. I actually had my first credit card with capital one, but through tough job issues got into some minor debt. Granted I did owe the bank around 300$ or so. I paid it off after a few months or a year I can’t remember, and waited like 1-3 years thinking they wouldn’t accept me again, but I did have a stable job at this point in my life and they accepted me again. My time frames aren’t exact but essentially they stuck with m

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   e at my worst and now at my best. I did an auto refinance and was able to save some money monthly for barely much more than I owed my original loan. I have 3 credit cards with C1 and basically try to earn points now so I can travel for low and see my family. I used some points for a joint trip with my partner to go to a wedding. I think it’s a good bank for the normal person who needs a break and is responsible and accountable. I definitely won’t be leaving or cancelling. My credit is finally in the 700 range and I have money saved in the bank!! Savings account was good, ultimately saved somewhere else for better interest rate but only because I’m greedy lol. I had the savings with capital one for like a year or so, was good as well! I have a credit limit of 5000 on my venture one and I pretty much just use it for groceries. If I get to like $1000-$2000 owed I’ll pay half or 1/3 and keep going this way. Right now I have it at $200 and I’m cruising.
3. ★★★★★ Great financial guard!!! Athletemomtravler · 15 Apr 2026
   I’ve had this card for several years, and I can confidently say the customer experience is unmatched. As someone who travels frequently with my daughter, who is a collegiate athlete, we often find ourselves in unfamiliar—and sometimes less comfortable—places. Having a credit card company I can truly rely on brings a level of peace of mind that’s hard to put into words. Every time I’ve interacted with customer service, I’ve felt genuinely valued. No matter who I speak with, they treat my financial situation with the same level of importance and care that I do. That consistency speaks volumes. W

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   hat truly sets them apart is how seamless and dependable everything is while traveling. I never have to worry about my card being declined unexpectedly or dealing with delayed fraud alerts that leave me scrambling at checkout. Instead, I feel like I have a “financial guard” with me at all times—protecting my money while still allowing me to use it freely and confidently. In situations where other companies create stress or inconvenience, this team delivers reliability, security, and trust. My finances and investments feel safe, and that’s something you simply can’t put a price on. I’m incredibly grateful to be a customer and would highly recommend them to anyone who values exceptional service, especially those who travel often.
4. ★★★☆☆ Deposit Feature is Seriously Lacking El-9 · 7 Oct 2025
   Three separate occasions I’ve tried depositing three separate checks through the mobile app and it’s given me a hard time, stating it was “having trouble reading the numbers on the front of the check.” It’s always taken a few tries, and sometimes trying on a different day, for the deposit to go through. This time I’ve tried ten times, with different dark backgrounds, the best light I can get, trying auto capture (which didn’t work at all and kept having an error), taking close up, further back, being super careful to have every part of the check be in focus, but the app is still “having troubl

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   e reading the numbers on the front of the check”. In the past i thought maybe it was the handwriting. This check is bank-generated and printed in extremely readable numbers from a bank printer. So the problem isn’t with my check, it’s with the app. I also tried getting help with “Eno”, the chatbot. That was a total waste of time. The only thing it seems capable of doing is providing information that is otherwise available on the app, like balances and transaction information. I still don’t have my check deposited nearly a whole day later, so I am seriously considering opening a bank account with a different bank because my only other option is to drive more than an hour to their nearest café. Although, I guess if you aren’t actually planning to try and deposit checks through the mobile app, it’s a perfectly adequate banking app.
5. ★★★★★ Exceptional service Elver_Galarga2415 · 1 Mar 2025
   I discovered my account had been breached through plaid and someone was able to take $100 on three different occasions for my savings regular strategically once a month on my third pay cycle as I get paid weekly and when I would transfer the largest amount into my savings so I wouldn’t notice because I use two other banks but capital one has always been my main one. I never really pay attention too much into my savings transactions. Just my checking. I discovered this at 4:55 PM called was on the phone with an agent by 4:57 PM. She was very kind and professional and honest she told me that she

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   couldn’t promise that. It would be handled right away. They had to conduct investigation and average wait time for disputes 4-6 business days. Being that it’s Friday the end of the month I was a little bummed out. As a 30 year old male with a mortgage 2 car payments and 2 kids $500 is $500. I was bracing myself to get home and let my wife know that we don’t share finances be the more irresponsible one even though I earned a little bit more check my emails the light right before my cul-de-sac and I have one from Capital One tell me my dispute were settled and the full amount plus another hundred I didn’t know I had missing. I have never before seen a bank me with the speed on a Friday afternoon. Let me know they truly value my business. I will be closing my other two accounts and sticking to capital one from here they more than earned my business. Thank you.
6. ★★★★★ You guys are awesome tcordia · 24 Nov 2024
   First of all I want to say that capital one was my first and is my only credit card , unfortunately I haven’t been doing so well financially and I’m even embarrassed to call but regardless of my financial hardship capital one has always had solutions they never make me feel bad for not making a payment and sometimes even waived my late fee. I used to think credit card companies were bad when trying to collect payments but capital one has been so helpful to me since day 1 , I recommend everyone, I can’t think of one time ever regretting this credit card company, the customer service people have

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   delays been friendly to me , never rude always transfer me to the correct people and like I said if there’s a problem they have many solutions and they walk me thru and even though my account is not at its best and I’m having trouble making payments that’s not thier fault and I am trying to get everything on track. I do wish I could pay off both my accounts but they don’t accept another credit card for pay off and it’s my mom’s only way of helping me out and that would really be a burden off my back but that’s the only thing I wish could change. Thank you capital one for being understanding and helping me through the hard times I promise I’m doing my best to keep my credit cards in track but things aren’t going well I appreciate the solutions and awesome customer service.
7. ★★★★★ Great service steadystacknn · 7 Nov 2024
   Other than me not receiving my replacement card (getting got lost in the mail, family member throwing it away thinking it’s a credit card offer instead, etc.) everything has been good. I had an unauthorized charge and that caused me to need the replacement card, but I haven’t received it. Customer service has been great and I love the discount offers that pop up on the websites when I’m trying to purchase things versus having to look up and see if the card gives me a discount or not. So I think that’s pretty cool. And whoever reads this review if you could send me an email, text or call so tha

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   t we can find a better way than sending me the card directly to my mailbox would be awesome. Because I don’t pick up the mail and my stuff doesn’t always get to me. Maybe a home delivery where the mailman makes me sign for it at the door or something, or in a more official looking envelope that won’t get mistaken for a credit card offer. But if not, I’ll still be on the lookout for the card. I have recommended the company (investing) and the credit card to members of my family and friends and I think at least one has gotten a capital one card because of it. I give you guys an A+ on everything and the only problem I have is not getting the replacement card, but that’s not your fault. And if you guys wanna raise my credit limit a few thousand I’d be cool with that too. Joking.
8. ★★☆☆☆ Way to treat us like criminals !mumzthewrd2992! · 3 May 2022
   I had a capital one card about 3-4 years back and because it got behind on payments with me being laid off due to covid and even tho it had been completely paid off, and is now 3 years later they flagged my name. I applied for a Walmart credit car and was approved and received the card but when I tried to access online acc it told me to contact customer service which I did and it has gone downhill since. They have my names flagged for fraud and have forced me to spend hours now just trying to change a password and put my new phone number in. I’ve had to send pictures of my ID 3 separate times

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   and Was told it was due to fraud issues that they couldn’t do anything and then proceeded to email me And have me send another picture of my ID No it was due to the fact that I had an outstanding balance and even tho it’s been paid for over a year they have me pinned and have made me waste so much of my afternoon just for a password change. They then said they’d contact me and I still havnt heard back. Why couldn’t I just make a new online account. If they are going to treat people like criminals they should probably not allow them to be approved for a different card. I felt so disrespected at the fact that I’ve had to go through all of this just to have access to an online account all while holding the active card in my hand. So in the end they said the card is active I just cannot access anything online or on the app due to my fraudulent past. It’s demeaning
9. ★★★★★ Don’t believe anything their phone operators tell you nug707 · 13 Jul 2021
   I have had my Capitol one Platnium and Quiksilver for over 2 years now and have paid every months payment on time and for the full balance of the card, with the exception of 6 months into the pandemic things we’re getting tight and I was trying to penny pinch anywhere I could. I remembered that capital one had a payment forgiveness deferral for times of hardship. I had the money to pay it, but at same time that would create a little breathing room. I spoke with Capital one and said I only wanted to do it if it had zero impact to my credit. They assured me that it wouldn’t as there was a pandem

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   ic, so I pushed one months payment on both cards back a month. Fast forward 6 months later I had a really good year with stocks and had 30k for a vehicle. My vehicle of choice was 40k so I needed to finance 10k, I figured Capital one has loan program, I’m already with them why not just get it there. So I applied stating I had 30k. I was denied all because of one months deferred payment, denied by the same people who garentee that it has absolutely no affect on your credit . To boot now I can’t even get a credit increase on either card. They double screwed me. I was shopping for loans and was approved everywhere else I went. Other banks thought it was cray how it worked out, and didn’t understand how they could do exactly what they said they wouldn’t. Anyhow I’m talking to a lawyer now and it seems I have a case since they made a breach in contract and the ordinal agreement.
10. ★★★★★ Customer Service!! XxAngelFrostxX2014 · 8 Jun 2018
    My husband brought home a kitten for our 1 year wedding anniversary. She was our first “baby.” She was also born in the same month we conceived our son. She was our little girl. But she became VERY ill. We took out a carecredit account to cover her hospitalization expenses and bills. Couldn’t afford to pay right away. Long 4 month story short, our little girl had kidney failure and passed away. It’s now June, and my last statement reflected a LARGE interest charge. They did not allocate payment where we asked for 4 months. They would not rectify anything. The account manager said no notation w

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    as ever made in their system to allocate payments between promo and non promo transactions, which was not true. We always called in payment allocations... Since their system had no notes, I was deemed a liar. I was in tears- these bills are a horrible reminder of loss. & they found a way to make money off my grief. I called cap one- just opened an account. The rep was super friendly and informative with my options between purchases and balance transfers & my best options to resolve. I wanted out of carecredit asap for misallocating payments. Cap one helped me find the best route to do so. She even took the time to listen to me cry and vent. This company knows how to treat their customers when so many companies these days treat the consumer like dirt. So now I have 12 months to pay this burden with no stress. Thank you capital one. Please don’t ever lose that quality of customer service.

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