
Capital One Mobile
What’s on the Capital One Mobile app? All of your accounts, and so much more.
Whether you’re out in the world or feeling right at home, you can manage your money with ease:
• View balances and export statements
• Pay bills and take care of loans
• Check in on your credit with CreditWise
• Activate a credit or debit card when you need it
• Redeem rewards on the go
• Send and receive money with friends and family using Zelle®
With the Capital One Mobile app, you can ...
• Stay informed when you enable alerts and purchase notifications
• See everything that happens on your card with detailed transactions
• Instantly lock your credit or debit card from anywhere
• Get answers from Eno, your Capital One assistant
Download the app for better banking with Capital One.
Internet access is needed to use the mobile app. Check with your Internet service provider for details of specific fees and charges. Service outages may occur. Capital One customers are responsible for regularly checking their account statements. Push, email, and SMS alerts and notifications, including purchase notifications, must be enabled to be received. CreditWise monitoring and alerts may not be available if the information you enter at enrollment does not match the information in your file at one or more consumer reporting agencies or you do not have a file at one or more consumer reporting agencies. Features may not be available to all customers. Actual experiences may differ from those depicted. Additional terms and limitations apply.
© 2021 Capital One Bank (USA), N.A., and Capital One, N.A. Members FDIC. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. To read about the Terms of your download, check out the End User License Agreement. https://www.capitalone.com/digital/mobile/android-eula/
Best Capital One credit cards for October 2021
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
Best Capital One Credit Cards Of 2021
Best Capital One Credit Cards
Best for Walmart
Capital One® Walmart Rewards® Card *
Up to 5% Reward Rate
Earn 5% back on Walmart.com & in the Walmart app, including Grocery Pickup and Delivery; Earn 2% back on restaurantsRead More
Welcome Bonus
5% cash back for the first 12 months
Regular APR
17.99% - 26.99% Variable APR on purchases and balance transfers
Credit Score
Fair (650 - 699)
Why We Picked It
The card offers excellent rewards for those who frequently shop at Walmart, particularly online. With no annual fee, it's a sweet deal to earn up to 5% cash back.
Pros & Cons
- Up to 5% cash back
- 2% cash back at restaurants and travel
- No annual fee or foreign transaction fee
- Applicants with average credit may qualify
- Base reward rate of 1% could be better
- High to very high APR, depending on creditworthiness
- No intro APR offer
Card Details
- Earn 5% cash back in Walmart stores for the first 12 months when you use your Capital One® Walmart Rewards
- 17.99% – 26.99% Variable APR on purchases and balance transfers
- No annual fee
- 5% back on Walmart.com & in the Walmart app, including Grocery Pickup and Delivery
- 2% back on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA Fuel Stations
- 1% back everywhere else Mastercard® is accepted
- Ways to redeem rewards: Use rewards during checkout at Walmart.com, redeem for a purchase, get an account credit, redeem for gift cards from Walmart or other retailers, or redeem for flights, hotels, and car rentals
- $0 fraud liability: If your card is ever lost or stolen, you won’t be responsible for fraudulent purchases
- Capital One Mobile app: Pay your bill, get real-time purchase notifications, lock or unlock your card and more.
Best for dining and entertainment rewards
Savor® Rewards from Capital One® *
Up to 4% Reward Rate
Earn unlimited 4% cash back on dining, entertainment and popular streaming services, 3% cash back at grocery stores and 1%Read More
Welcome Bonus
One-time $300 cash bonus
Regular APR
15.99% - 23.99% Variable
Credit Score
Good/Excellent (700 - 749)
Why We Picked It
The Capital One Savor card is an ideal cash back credit card for those who love to splurge on bars, restaurants and an active social life. It's easy to justify the annual fee and accumulate great rewards with a remarkable 4% cashback rate on dining and entertainment (including popular streaming services), 3% cash back at grocery stores, and 1% cash back on all other purchases.
Pros & Cons
- 4% cash back on eligible categories
- Entertainment is a rare rewards category
- No foreign transaction fees
- Unlimited reward earnings
- Annual fee
- No introductory APR for purchases or balance transfers
- Higher standard APR
Card Details
- Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
- Earn unlimited 4% cash back on dining, entertainment and popular streaming services
- Earn unlimited 3% cash back at grocery stores
- Earn unlimited 1% on all other purchases
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- Capital One cardholders get access to premium experiences in dining, entertainment and more
Best for students for dining and entertainment rewards
Capital One SavorOne Student Cash Rewards Credit Card
Up to 3X Reward Rate
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® andRead More
Regular APR
26.99% (Variable)
Credit Score
Average, Fair, Limited
Pros & Cons
- No annual fee
- No foreign transaction fees
- Excellent cash back rewards
- High APR
- No low introductory APR
- Limited bonus cash back reward categories
Card Details
- Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
- Enjoy no annual fee, foreign transaction fees, or hidden fees
- You can help build your credit with responsible use of a card like this
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- Be automatically considered for a higher credit line in as little as 6 months
- $0 fraud liability if your card is ever lost or stolen
- Set up Autopay for your account and your payments will be made automatically every month
Best for earning travel rewards
Capital One Venture Rewards Credit Card
Unlimited 2X Miles
Earn unlimited 2X miles on every purchase, every day
Welcome Bonus
60,000 miles
Regular APR
15.99% - 23.99% (Variable)
Credit Score
Excellent, Good (700 - 749)
Why We Picked It
Casual travelers who don't plan to carry a balance will find good value in this card's 2-miles-per-$1 flat rewards rate.
Pros & Cons
- High flat rewards rate
- Solid welcome bonus
- No intro APR offer
- $95 annual fee
Card Details
- Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
- Earn unlimited 2X miles on every purchase, every day
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
- Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
- No foreign transaction fees
Best no-annual-fee card for dining and entertainment rewards
Capital One SavorOne Cash Rewards Credit Card
Up to 3% Cash Back
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® andRead More
Regular APR
14.99% - 24.99% (Variable)
Credit Score
Excellent, Good (700 - 749)
Why We Picked It
The Capital One SavorOne card is a perfect cash back credit card for those who spend a lot at restaurants, grocery stores and on entertainment. With its 3% cash back rate in those categories, it's a win for socialites that don't want to pay for an annual fee.
Pros & Cons
- No annual fee
- Unlimited 3% cash back in popular categories
- No foreign transaction fees
- Easy-to-redeem cash back rewards
- No low introductory balance transfer APR
- High standard rate APR
- Limited cash back reward categories
Card Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 14.99% – 24.99% variable APR after that
- No foreign transaction fee
- No annual fee
Best for earning flat rate cash back
Capital One Quicksilver Cash Rewards Credit Card
1.5% Cash Back
Earn unlimited 1.5% cash back on every purchase, every day
Regular APR
14.99% - 24.99% (Variable)
Credit Score
Excellent, Good (700 - 749)
Why We Picked It
This card is a good value all-rounder, offering an intro APR rate on purchases, no annual fee and a simple 1.5% unlimited cashback rate on all purchases.
Pros & Cons
- No spending category enrollment
- No cashback rewards limits
- No foreign transaction fee
- Low spending requirement to earn welcome bonus
- No bonus spending categories to boost rewards
- High regular APR
Card Details
- One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
- 0% intro APR on purchases for 15 months; 14.99%-24.99% variable APR after that
- $0 annual fee and no foreign transaction fees
Best for home furnishings rewards
Key Rewards Visa *
Up to 5X Reward Rate
5% back online and in stores across seven brands, 4% back at grocery stores and restaurants (excludes fast food) andRead More
Welcome Bonus
10% back across seven brands for the first 30 days from account opening
Regular APR
24.99% variable on purchases and balance transfers
Credit Score
Excellent (750 - 850)
Card Details
- 5% back online and in stores across seven brands, 4% back at grocery stores and restaurants (excludes fast food) and 1% back on everything else
- 10% back across seven brands for the first 30 days from account opening
- 12-month promotional financing on purchases of $750 or more
- No annual fee
Best for earning travel rewards with no annual fee
Capital One VentureOne Rewards Credit Card
Unlimited 1.25X Miles
Earn unlimited 1.25X miles on every purchase, every day
Welcome Bonus
20,000 miles
Regular APR
14.99% - 24.99% (Variable)
Credit Score
Excellent, Good (700 - 749)
Why We Picked It
This card is a good choice for those who don’t travel enough to justify a high-annual-fee alternative.
Pros & Cons
- No foreign transaction fee
- No annual fee
- No penalty APR
- Flat rewards rate is relatively low
- Welcome bonus is mediocre
- No intro APR offer on balance transfers
Card Details
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won’t expire for the life of the account and there’s no limit to how many you can earn
- Transfer your miles to over 15+ travel loyalty programs
- Enjoy 0% intro APR on purchases for 12 months; 14.99% – 24.99% variable APR after that
Best for earning a flat rate of cash back on all purchases
Capital One QuicksilverOne Cash Rewards Credit Card
1.5% Reward Rate
Earn unlimited 1.5% cash back on every purchase, every day.
Regular APR
26.99% (Variable)
Credit Score
Average, Fair, Limited (No Credit History)
Why We Picked It
A great option for those with less-than-stellar credit, this card offers a gateway to building better credit while earning a respectable 1.5% cash back rewards rate. You may also gain a higher credit line in as little as 6 months from account opening.
Pros & Cons
- Unlimited 1.5% cashback rewards
- Average credit applicants considered
- No foreign transaction fee
- Rewards don’t expire
- High APR
- No bonus spending categories to boost rewards
- No welcome offer
- No intro APR offer
Card Details
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
Best for businesses that want a charge card
Spark 2% Cash Plus *
Unlimited 2X Reward Rate
Earn unlimited 2% cash back on all purchases
Welcome Bonus
Up to $1,000
Credit Score
Excellent (750 - 850)
Why We Picked It
Business owners who want a simple, no-hassle cashback program and spend generally across categories will gain solid rewards from this card.
Pros & Cons
- High 2% cashback rate applies to all purchases
- Visa benefits
- Free employee cards
- No foreign transaction fees
- No intro APR offer
- No bonus spending categories to boost rewards
Card Details
- Earn up to $1,000 in the first 6 months; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months.
- Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions.
- $150 annual fee.
- Free employee cards, which also earn unlimited 2% cash back on all purchases.
- $0 Fraud Liability if your card is lost or stolen.
- Rewards won’t expire for the life of the account, and you can redeem your cash back for any amount.
- No foreign transaction fees.
Best for travel rewards for businesses
Capital One® Spark® Miles for Business *
2X Reward Rate
Earn unlimited 2X miles on every purchase
Welcome Bonus
50,000 miles
Annual Fee
$0 intro for first year; $95 after that
Regular APR
20.99% (Variable)
Credit Score
Excellent, Good (700 - 749)
Why We Picked It
For busy entrepreneurs, you can't beat the simplicity of earning 2x miles per dollar on all spending, with no limits or categories to manage. That's precisely what this card offers, plus high redemption values for travel rewards and a rich welcome bonus.
Pros & Cons
- Free employee cards
- Earn 2x miles on all purchases with no limits
- No blackout dates or seat restrictions
- Sky-high penalty APR
- High regular APR
- Limited airline partners
- Unfavorable miles transfer rates
Card Details
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
- Transfer your miles to 15+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Best for businesses that want a flat-rate rewards card
Spark Cash Select from Capital One *
1.5% Reward Rate
Earn unlimited 1.5% cash back on all purchases
Regular APR
13.24% - 19.24% (Variable)
Credit Score
Excellent (750 - 850)
Why We Picked It
For business owners who value simplicity, this is a great all-rounder with no annual fee. You'll get unlimited 1.5% cashback rewards on all purchases, plus a welcome bonus. However, what's missing is an intro APR offer.
Pros & Cons
- No foreign transaction fee
- Free employee cards
- Unlimited 1.5% cash back rewards with no categories to manage
- Business management features
- High penalty APR
- No intro APR offer
- No bonus rewards categories
Card Details
Screenshots
Description
What’s on the Capital One Mobile app? All of your accounts, and so much more.
Whether you’re out in the world or feeling right at home, you can manage your money with ease:
- View balances and export statements
- Pay bills and take care of loans
- Check in on your credit with CreditWise
- Activate a credit or debit card when you need it
- Redeem rewards on the go
- Send and receive money with friends and family using Zelle®
With the Capital One Mobile app, you can ...
- Stay informed when you enable alerts and purchase notifications
- See everything that happens on your card with detailed transactions
- Instantly lock your credit or debit card from anywhere
- Get answers from Eno, your Capital One assistant
Download the app for better banking with Capital One.
Internet access is needed to use the mobile app. Check with your Internet service provider for details of specific fees and charges. Service outages may occur. Capital One customers are responsible for regularly checking their account statements. Push, email, and SMS alerts and notifications, including purchase notifications, must be enabled to be received. CreditWise monitoring and alerts may not be available if the information you enter at enrollment does not match the information in your file at one or more consumer reporting agencies or you do not have a file at one or more consumer reporting agencies. Features may not be available to all customers. Actual experiences may differ from those depicted. Additional terms and limitations apply.
© 2021 Capital One Bank (USA), N.A., and Capital One, N.A. Members FDIC. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. To read about the Terms of your download, check out the End User License Agreement.
Version 5.88.1
Thanks for using Capital One Mobile. We make regular updates to our app to ensure your experience is top notch. Each new version of our app includes new features to allow you to do more in the app and improvements to make it faster and more reliable!
Updates:
- Defect fixes
- UI fixes
Ratings and Reviews
4.8 out of 5
4.5M Ratings
Capital one is the best!!
Capital one is the best bank you could have, mini mini years ago I had a bankruptcy and they offered me a card and I was hesitant at first but then I decided to take them up on it and it’s the only one I’ve had since and it’s the only one I’ve ever used, I want to be loyal to them because they showed loyalty and trust in me. They have great services on their credit card side, they have great safety protocols built-in to the app on your phone, they give notices for different things if you like, you can turn off and on your credit card from your phone there’s so many things that they offer they’re really the best!! I called in a few times for service they are very friendly, very courteous and extremely knowledgeable, I’ve had really bad experiences with Citibank and Bank of America I would never deal with those two banks again for any reason. Capital one, you are the best all of you! I’m doing this review very quickly on the phone so if you see grammatical errors it’s because I’m dictating to the phone and I’m in a hurry and the phone prints what it wants lol if you’re wanting bank services or a credit card the service is exemplary and you should definitely check out capital one!
Not practical for deposit account holders
From what I hear this app and Capital One as a whole is AMAZING for credit card holders but for those that own deposit accounts this app really isn’t that useful! I’ve been banking with Capital One for years and I can honestly say I miss a lot of the features the Capital One Wallet app used to provide. I’d love the developers of this app to take their deposit account holders into consideration and add features like alerts when a deposit is made to my account as well as alerts when a transaction is made over a certain dollar amount. To be clear, when I say alerts I mean actual notifications to my device sent from the app that appear on my home screen. I don’t want to have to receive alerts via text that is so outdated plus I have enough text threads as it is between work and family. I’m beginning to feel like Capital One isn’t interested in investing in their deposit account holders now or even in the future. I believe this company is more focused and geared towards their credit and lending services. To be fair Chase not only provides these basic notification services to customers but they also have added the ability to view what you spend money on weekly to their app. I do not want to close my accounts and go over to another bank because I truly enjoy banking with Cap. One. I love everything from the customer service all the way down to the debit card design. But I have a feeling I will leave if I don’t see any changes being made.
We appreciate you taking time to provide us with your feedback regarding the app and its features. We're always looking at ways to make our app be the best it can be, so we'll be sure to pass along your feedback to our dev team. If you have any additional feedback to share with us, feel free to update your review.
App”ic” Fail
Capital one app is a convenient way of tracking expenses and making on the spot payments. In our business it was a great card, with multiple users we made payments daily if not twice daily. Apps are made for convenience. However, with the C1 App there is no way to remove draft accounts. Some what Defeats the purpose of having a mobile App. We had someone break into our office and forge checks . Our bank(s) closed our accounts-as we have 3 dba’s. Just as our daily capital one payments were being drafted our accounts were closed. using the Capital one App, we added our new accounts- the only difference in draft account numbers were first 3 digits. The capital one App only shows the last 4 digits. So if you are traveling as we do in our industry, living by our smart phones, you are stuck guessing what account is the correct account to be drafted. Capital one closed our account and refused to reopen it. After 2 years of multiple weekly payments and 10 of thousands spent on the card monthly , our Capital one app failed us by not showing which bank account was which.
Make sure if you change bank accounts you are near a desktop to immediately change draft information because the mobile app will not allow you to delete accounts. We changed over 30 payable accounts due to this forgery nightmare. Capital one is the only card that failed us and closed our account- App is incomplete and still needs work.
The developer, Capital One, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Contacts
- User Content
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Location
- Usage Data
- Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Information
- Seller
- Capital One Services, LLC
- Size
- 336.9 MB
- Category
- Finance
- Compatibility
- iPhone
- Requires iOS 13.0 or later.
- iPad
- Requires iPadOS 13.0 or later.
- iPod touch
- Requires iOS 13.0 or later.
- Languages
English, Spanish
- Age Rating
- 4+
- Copyright
- © 2021 Capital One Bank (USA), N.A., and Capital One, N.A. Members FDIC. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
- Price
- Free
Supports
Wallet
Get all of your passes, tickets, cards, and more in one place.
Family Sharing
With Family Sharing set up, up to six family members can use this app.
More By This Developer
You Might Also Like
One credit capital
Capital One
Bank holding company headquartered in McLean, Virginia
![]() | |
![]() Capital One Tower in Tysons, Virginia | |
Type | Public |
---|---|
Traded as | |
Industry | Financial services |
Founded | July 21, 1994; 27 years ago (July 21, 1994) Richmond, Virginia, U.S. |
Founder | Richard Fairbank, Nigel Morris |
Headquarters | Capital One Tower McLean, Virginia |
Areas served | United States, Canada, United Kingdom |
Key people | Richard Fairbank (Chairman, President and CEO) Stephen S. Crawford (Head of Finance and Corporate Development) R. Scott Blackley (CFO) |
Products | Retail banking, credit cards, loans, savings |
Revenue | ![]() |
Operating income | ![]() |
Net income | ![]() |
Total assets | ![]() |
Total equity | ![]() |
Number of employees | ![]() |
Subsidiaries | Wikibuy, ShareBuilder, Paribus, United Income, BlueTarp, Adaptive Path, Confyrm, Capital One Securities, Critical Stack, Monsoon Company, Finnoble Solutions, Notch |
Capital ratio | 11.2% (2018) |
Website | www.capitalone.com |
Footnotes / references [3] |
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.[3] It is on the list of largest banks in the United States and has developed a reputation for being a technology-focused bank.
The bank has 755 branches including 30 café style locations[4] and 2,000 ATMs. It is ranked 97th on the Fortune 500,[5] 9th on Fortune's 100 Best Companies to Work For list,[6] and conducts business in the United States, Canada, and the United Kingdom.[3] The company helped pioneer the mass marketing of credit cards in the 1990s.[7] In 2016, it was the 5th largest credit card issuer by purchase volume, after American Express, JPMorgan Chase, Bank of America, and Citigroup.[8]
With a market share of 5%, Capital One is also the second largest auto finance company in the United States, following Ally Financial.[9]
The company's three divisions are credit cards, consumer banking and commercial banking. In the fourth quarter of 2018, 75% of the company's revenues were from credit cards, 14% were from consumer banking, and 11% were from commercial banking.[3] Capital One has consistently ranked as one of the best places to work for, appearing in multiple Glassdoor's Best Places To Work reports.[10] In 2020, Fortune magazine ranked Capital One at number 24 on their Fortune List of the Top 100 Companies to Work For in 2020 based on an employee survey of satisfaction,[11] rising to 9 on the 2021 list.[12]
History[edit]
Richard Fairbank and Nigel Morris founded Capital One in 1988 with the support of Richmond, Virginia-based Signet Bank. Fairbank became the company's CEO on July 27, 1994, after Oakstone Financial was spun off from Signet Financial Corp. Oakstone Financial was later renamed to Capital One in October 1994, and the spin-off was completed in February 1995. The newly formed credit card company was ranked among the top ten credit card issuers in the United States after signing up more than five million customers. Capital One worked as a monoline, deriving all of its revenues from the credit card business. Even as a monoline, it succeeded in the credit card business due to its use of data collection to target personalized offers directly to consumers.[citation needed]
In 1996, Capital One moved from relying on teaser rates to generate new clients to adopting more innovative techniques that would attract more customers to their business model. At the time, it was losing customers to competitors who offered higher ceilings on loan balances and no-annual-fee accounts. The company came up with co-branded, secured, and joint account credit cards. In mid-1996, Capital One received approval from the federal government to set up Capital One FDB. It meant that the company could now retain and lend out deposits on secured cards and even issue automobile installment loans.[citation needed]
Monoline credit card company (1994–2004)[edit]

On July 21, 1994, Richmond, Virginia-based Signet Financial Corp (now part of Wells Fargo) announced the corporate spin-off of its credit card division, OakStone Financial, naming Richard Fairbank as CEO.[13] Signet renamed the subsidiary Capital One in October 1994.[14][15]
At that time, Capital One was a monoline bank, meaning that all of its revenue came from a single product, in this case, credit cards.[16] This strategy is risky in that it can lead to losses during bad times.[16] Capital One attributed its relative success as a monoline to its use of data collection to build demographic profiles, allowing it to target personalized offers of credit directly to consumers.[17]
Capital One began operations in Canada in 1996.
Expansion into auto loans (1996–present)[edit]
In 1996, Capital One expanded its business operations to the United Kingdom and Canada. This gave the company access to a large international market for its credit cards. An article appearing in the "Chief Executive" in 1997 noted that the company held $12.6 billion in credit card receivables and served more than nine million customers. The company was listed in the Standard & Poor's 500, and its stock price hit the $100 mark for the first time in 1998.[citation needed]
Throughout its history, Capital One has focused on making acquisitions of monolines in various related sectors. In 2005, the company acquired Louisiana-based Hibernia National Bank for $4.9 billion in cash and stock. It also acquired New York-based North Fork Bank for $13.2 billion in 2006. The acquisition of smaller banks reduced its dependency on the credit business alone. Other companies acquired by Capital One include Netspend for $700 million in 2007, Chevy Chase Bank for $520 in 2009, IDG Direction division for $9 billion in 2011, and General Electric's Healthcare Financial Services Unit for $9 billion in 2015.[citation needed]
During the subprime financial crisis of 2008, Capital One received $3.56 billion in investments from the US Treasury courtesy of the Troubled Asset Relief Program in 2008. The company was forced to close its mortgage division, GreenPoint Mortgage, due to the losses incurred by investors. It paid back $3.67 billion to the US Treasury for the repurchase of the company stock.[citation needed]

In July 1998, Capital One acquired auto financing company Summit Acceptance Corporation.[18]
In 1999, Capital One was looking to expand beyond credit cards. CEO Richard Fairbank announced moves to use Capital One's experience with collecting consumer data to offer loans, insurance, and phone service.[19][20]
In October 2001, PeopleFirst Finance LLC was acquired by Capital One.[21]
The companies were combined and re-branded as Capital One Auto Finance Corporation in 2003.[22]
In late 2002, Capital One and the United States Postal Service proposed a negotiated services agreement (NSA) for bulk discounts in mailing services.[23] The resulting three-year agreement[24] was extended in 2006.[25] In June 2008, however, Capital One filed a complaint[26] with the USPS regarding the terms of the next agreement,[27] citing the terms of the NSA of Capital One's competitor, Bank of America. Capital One subsequently withdrew its complaint to the Postal Regulatory Commission following a settlement with the USPS.[28]
Onyx Acceptance Corporation was acquired by Capital One in January 2005.[29]
Expansion into retail banking (2005–present)[edit]
While many other monolines were acquired by larger, diverse banks, Capital One expanded into retail banking with a focus on subprime customers.
Capital One acquired New Orleans, Louisiana-based Hibernia National Bank for $4.9 billion in cash and stock in 2005[30] and acquired Melville, New York-based North Fork Bank for $13.2 billion in cash and stock in 2006,[31] which reduced its dependency on credit cards from 90% to 55%.[32]
In 2007, Capital One acquired NetSpend, a marketer of prepaid debit cards, for $700 million.[33]
During the 2007 subprime mortgage financial crisis, Capital One closed its mortgage platform, GreenPoint Mortgage, due in part to investor pressures.[34][35][36]
In 2008, Capital One received an investment of $3.56 billion from the United States Treasury as a result of the Troubled Asset Relief Program.[37][38] On June 17, 2009, Capital One completed the repurchase of the stock the company issued to the U.S. Treasury paying a total of $3.67 billion, resulting in a profit of over $100 million to the U.S. Treasury.[39]
The U.S. Securities and Exchange Commission criticized Capital One's conduct during the crisis, claiming that they understated auto loan losses during the financial crisis of 2007–2008. In 2013, Capital One paid $3.5 million to settle the case, but was not required to directly address the allegations of wrongdoing.[40]
In February 2009, Capital One acquired Chevy Chase Bank for $520 million in cash and stock.[41][42][43][44]
In January 2011, Capital One acquired Canada-based Hudson's Bay Company's private credit card portfolio from Synchrony Financial, then known as GE Financial.[45]
In June 2011, ING Group announced the sale of its ING Direct division to Capital One for $9 billion in cash and stock.[46] On August 26, 2011, the Federal Reserve Board of Governors announced it would hold public hearings on the Capital One acquisition of ING Direct, and extend to October 12, 2011, the public comment period that had been scheduled to end August 22.[47] The move came amidst rising scrutiny of the deal on systemic risk, or "Too-Big-to-Fail," performance under the Community Reinvestment Act, and pending legal challenges. A coalition of national civil rights and consumer groups, led by the National Community Reinvestment Coalition, were joined by Rep. Barney Frank to challenge immediate approval of the deal. The groups argued that the acquisition was a test of the Dodd-Frank Wall Street Reform and Consumer Protection Act, under which systemically risky firms must demonstrate a public benefit that outweighs new risk before they are allowed to grow. Kansas City Federal Reserve Bank head Thomas M. Hoenig was also skeptical of the deal.[48][49] In February 2012, the acquisition was approved by regulators and Capital One completed its acquisition of ING Direct.[50] Capital One received permission to merge ING into its business in October 2012,[51] and rebranded ING Direct as Capital One 360 in November 2012.[52]
In April 2011, Capital One signed a deal with Kohl's to handle Kohl's private label credit card program that was previous serviced by Chase Bank for a seven-year period for an undisclosed amount.[53] The contract between the two companies was extended in May 2014.[54]
In August 2011, Capital One reached a deal with HSBC to acquire its U.S. credit card operations.[55] Capital One paid $31.3 billion in exchange for $28.2 billion in loans and $600 million in other assets. The acquisition was completed in May 2012.[56] The acquisition also included private issued credit cards for such companies as Saks Fifth Avenue, Neiman Marcus, and Lord & Taylor that were previously handled by HSBC.[57]
On February 26, 2012, along with several other banks, Capital One announced support for the Isis Mobile Wallet payment system.[58] However, in September 2013, Capital One dropped support for the venture.[59]
In 2012, Capital One closed 41 branch locations.[60]
In 2015, Capital One closed several branch locations to leave 174 operating branches in the D.C. metro area.[61]
On February 19, 2014, Capital One became a 25% owner in ClearXchange, a Peer-to-peer transaction money transfer service designed to make electronic funds transfers to customers within the same bank and other financial institutions via mobile phone number or email address.[62] ClearXchange was sold to Early Warning in 2016.[63]
In January 2015, Capital One acquired Level Money, a budgeting app for consumers.[64]
On July 8, 2015, the company acquired Monsoon, a design studio, development shop, marketing house and strategic consultancy.[65]
In 2015, Capital One acquired General Electric's Healthcare Financial Services unit, which included $8.5 billion in loans made to businesses in the healthcare industry, for $9 billion.[66]
In October 2016, Capital One acquired Paribus, a price tracking service, for an undisclosed amount.[67][68]
In July 2019, Capital One signed a deal with Walmart to handle Walmart's private label and co-branded credit card programs that was previously serviced by Synchrony Financial.[69]
Exit from mortgage banking (2006–2007 and 2011–2017)[edit]
In November 2017, President of Financial Services Sanjiv Yajnik announced that the mortgage market was too competitive in the low rate environment to make money in the business.[70] The company exited the mortgage origination business on November 7, 2017, laying off 1,100 employees.[71] This was the second closure; the first occurred on August 20, 2007, when GreenPoint Mortgage unit was closed.[72] GreenPoint had been acquired December 2006 when Capital One paid $13.2 billion to North Fork Bancorp Inc. The re-emergence into the mortgage industry came in 2011 with the purchase of online bank ING Direct USA.[73]
Other acquisitions[edit]
In May 2018, the company acquired Confyrm, a digital identity and fraud alert service.[74][75][76]
In November 2018, Capital One acquired Wikibuy, a shopping comparison app and browser extension from an Austin, Texas start-up business; Wikibuy has no connection with Wikipedia/Wikimedia.[77]
Divisions[edit]
Capital One operates 3 divisions as follows:[3]
- Credit cards – Capital One issues credit cards in the United States, Canada, and the United Kingdom and is the 3rd largest credit card issuer, after JPMorgan Chase and Citigroup. As of December 31, 2018, Capital One had $107.350 billion in credit card loans outstanding in the United States and $9.011 billion of credit card loans outstanding in Canada and the United Kingdom, with credit cards representing 47.3% of total loans outstanding.[3]
- Consumer banking – offers banking services, including checking accounts, saving accounts, and money market accounts via its branches and direct bank as well as retail and auto loans. As of December 31, 2018, the company had $2.864 billion in retail loans outstanding and $56.341 billion in car finance loans outstanding, representing 22.9% of total loans outstanding.[3]
- Commercial banking – As of December 31, 2018, Capital One had $70.333 billion in loans outstanding secured by commercial, multifamily, and industrial properties, representing 28.6% of total loans outstanding.[3]
Sports marketing[edit]
Since 2001, Capital One has been the principal sponsor of the college football Florida Citrus Bowl, which has been called the Capital One Bowl since 2003.[78] It sponsors a mascot challenge every year, announcing the winner on the day of the Capital One Bowl. The name of the stadium was changed in 2014 to the Orlando Citrus Bowl and was then changed again to Camping World Stadium in 2016, following a multi-year naming rights sponsorship with Camping World.[79]
Capital One is one of the top three sponsors of the NCAA, paying an estimated $35 million annually in exchange for advertising and access to consumer data.[80][81] Capital One also sponsored the EFL Cup, an English Soccer Competition, from 2012 to 2016. The company sponsored Sheffield United F.C. from 2006 to 2008. In 2017, the company became the sponsor of the Capital One Arena in Washington D.C.[82][83]
In 2018, to celebrate the Washington Capitals' second-ever Stanley Cup Finals appearance, the firm temporarily changed its logo by replacing the word "Capital" with the Capitals' titular logo, without the "s" plural.[84][85]
Corporate citizenship[edit]
Capital One operates some charitable programs. The accountability organization National Committee for Responsive Philanthropy has been highly critical of Capital One's relatively low rate of giving, stating that "Capital One's philanthropic track record is dismal".[86] The organization pointed out that Capital One's donations of 0.024% of revenue were much less than the industry median of 0.11% of revenue.[86] Capital One has disputed the groups figures, saying that "... In 2011 alone, our giving totals are more than 6 times greater ($30 million) than the number given by the NCRP".[87]
Criticism and legal actions[edit]
[edit]
In July 2012, Capital One was fined by the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau for misleading millions of its customers, such as paying extra for payment protection or credit monitoring when they took out a card.[88] The company agreed to pay $210 million to settle the legal action and to refund two million customers.[89] This was the CFPB's first public enforcement action.[90]
Automated dialing to customers' phones[edit]
In August 2014, Capital One and three collection agencies entered into an agreement to pay $75.5 million to end a consolidated class action lawsuit pending in the United States District Court for the Northern District of Illinois alleging that the companies used an automated dialer to call customers' cellphones without consent, which is a violation of the Telephone Consumer Protection Act of 1991.[91] It is notable that this legal action involved informational telephone calls, which are not subject to the "prior express written consent" requirements which have been in place for telemarketing calls since October 2013.[92]
2014 amendment to terms of use to allow personal visits[edit]
In 2014, Capital One amended its terms of use to allow it to "contact you in any manner we choose", including a "personal visit . . . at your home and at your place of employment." It also asserted its right to "modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose."[93] The company stated that it would not actually make personal visits to customers except "As a last resort, . . . if it becomes necessary to repossess [a] sports vehicle".[93] Capital One also attributed its assertion of a right to "spoof" as necessary because "sometimes the number is 'displayed differently' by 'some local phone exchanges,' something that is 'beyond our control'".[94]
July 2019 security breach[edit]
Capital One publicly acknowledged on July 29, 2019, that they had found unauthorized access had occurred ten days earlier by an individual who had breached the account and identity security of 106 million people in the United States and Canada.[95] The FBI arrested Paige Thompson, who had previously worked as a software engineer for Amazon Web Services, Capital One's cloud hosting company. Capital One declared that Thompson had accessed about 140,000 Social Security numbers, a million Canadian social insurance numbers; 80,000 bank account numbers, and an unknown number of names and addresses of customers. Capital One began offering free credit monitoring services to those affected by the breach.[96][97]
Thompson's employment at Amazon appears to have ended in September 2016. Amazon stated that the security vulnerability she used to access Capital One could have been discovered by anyone, the information that facilitated her activity was not gained from work at Amazon, and that she gained access via "a misconfiguration of the (Capital One-designed) web application and not the underlying (Amazon-designed) cloud-based infrastructure".[98]
Details of the breach[edit]
Forensic analysis[vague] determined Thompson's actual hacking activity occurred in March 2019, then she posted the information to different outlets over the next three months. In April she posted what came to be known[by whom?] as the "April 21 Files", a trove of leaked data along with instructions on how to access the company's credentials for more data extraction. In July a white-hat alerted Capital One to Thompson's hacking activity. Thompson pleaded not guilty to charges of wire fraud and computer fraud and abuse. During the investigations and subsequent data freeze, millions of Capital One accounts were locked; their owners were unable to process financial transactions, meet payments, or gain access to their financial records.[99]
Capital One Response[edit]
Critics lambasted the bank's effort to downplay the hack while investigations were ongoing, and described the bank as more concerned about its image than the needs of its clients. Several Capital One customers stated that the first time they heard about the hack was through the media and the bank did not disclose the breach or explain its implications to affected customers.[100] On social media and in the mainstream press, Capital One's contradictory July 2019 press statement was mocked[101][102] for saying "No bank account numbers or Social Security numbers were compromised," but then listing hundreds of thousands of bank account numbers and social security numbers that were compromised.
Federal Reserve Action[edit]
On August 6, 2020, the Federal Reserve Board of Governors announced a cease and desist order against Capital One resulting from the breach.[103] The order mandated, among other things, significant improvements in Capital One's governance, risk management and compliance (GRC) practices.
Lawsuits[edit]
Lawsuits were filed against Capital One and its employees in federal[104] and circuit courts.[105]
Additional Lawsuits were filed against both Amazon and GitHub, alleging they were aware of the exploit but did not act to fix or patch the vulnerability[106]
Government investigations[edit]
Relative to other large banks, Capital One has received fewer sanctions or default judgments against it.[citation needed] But some[who?] allude this is a result of its close proximity to Washington, D.C. and possible relations with federal regulators.[citation needed] In 2015 the bank disclosed that it was under federal investigation for bank fraud, money laundering, and possible racketeering charges. No further information was given and government investigators would only confirm that it was under scrutiny for "unspecified charges".[107]
In 2018, Capital One was fined $100 million for failure to monitor, detect, and prevent money laundering.[108] Charging documents[109] specified Capital One failed to file suspicious activity reports, had deficiencies in its risk assessment, remote deposit capture and generally had weaknesses that compromised national bank security controls. The bank was the subject of a larger investigation that alleged funds were siphoned out of US jurisdiction to safe havens.
In January 2021 Capital one was fined $390 million by FINCEN for anti-money laundering control failure for a now-defunct, small portfolio of check-cashing businesses that Capital One acquired around 2008 which subsequently exited from in 2014. Capital One later admitted that it failed to file thousands of suspicious activity reports and lapsed on filing currency transaction reports on around 50,000 reportable cash transactions valued around $16 billion.[110][111]
Notable office buildings[edit]
References[edit]
- ^ abcde"Capital One Financial Corporation 2020 Form 10-K". United States Securities and Exchange Commission. February 25, 2021. Retrieved March 4, 2021.
- ^"Capital One Financial: Number of Employees 2006-2021 | COF".
- ^ abcdefgh"IR Overview".
- ^"Capital One 360 Café Locations". Capital One.
- ^"Fortune 500: Capital One". Fortune.
- ^"Capital One: #9th on 100 Best Companies to Work For in 2021". Fortune.
- ^MYERBERG, PAUL (January 1, 2010). "Capital One Bowl: No. 13 Penn State (10-2) vs. No. 12 L.S.U. (9-3)". The New York Times.
- ^Comoreanu, Alina (February 10, 2017). "Market Share by Credit Card Issuer". WalletHub.
- ^CHARNIGA, JACKIE (October 10, 2018). "Ally Financial leads in Q2 auto loan market share, Experian says". Automotive News.
- ^"Glassdoor's Best Places To Work". Capital One. Retrieved April 12, 2020.
- ^Snouwaert, Jessica. "The 25 best companies to work for, based on employee satisfaction". Business Insider. Retrieved April 1, 2020.
- ^"100 Best Companies to Work For". Fortune. Retrieved May 11, 2021.
- ^"COMPANY NEWS; SIGNET BANKING TO SPIN OFF CREDIT CARD BUSINESS". The New York Times. July 28, 1994.
- ^Conn, David (October 12, 1994). "Signet renames credit card subsidiary Capital One". The Baltimore Sun. Archived from the original on October 22, 2020. Retrieved March 14, 2019.
- ^Milligan, Jack (June 3, 2011). "Capital One Charts a New Course". Bank Director.
- ^ abPerez, Saul (March 5, 2015). "Capital One's history: From credit cards to a diversified bank". Market Realist.
- ^Wheatley, Malcolm (November 1, 2001). "Capital One Builds Entire Business on Savvy Use of IT". CIO magazine.
- ^"CAPITAL ONE PLANS PURCHASE OF AUTO FINANCING COMPANY". The New York Times. Bloomberg L.P. July 17, 1998.
- ^Mcnamee, Mike (November 21, 1999). "Capital One: Isn't There More To Life Than Plastic?". Bloomberg L.P.
- ^Pedchenko, Alex (March 10, 2017). "TOP 6 companies using NodeJS in production". Medium.
- ^"Capital One Financial Agrees to Acquire PeopleFirst Inc.; Expands Auto Financing Business" (Press release). U.S. Securities and Exchange Commission. September 21, 2001.
- ^"PeopleFirst Changes Brand to Capital One Auto Finance" (Press release). PR Newswire. June 27, 2003.
- ^"Postal Service Files Capital One Negotiated Service Agreement". September 20, 2002.
- ^"Experimental Rate and Service Changes to Implement Negotiated Service Agreement with Capital One: OPINION AND RECOMMENDED DECISION"(PDF). May 15, 2003.
- ^Campanelli, Melissa (August 25, 2006). "PRC Says OK To Capital One NSA Extension". Direct Marketing News.
- ^"COMPLAINT OF CAPITAL ONE SERVICES, INC. REGARDING DISCRIMINATION AND OTHER VIOLATIONS OF LAW BY THE UNITED STATES POSTAL SERVICE"(PDF). Postal Regulatory Commission. June 19, 2008.
- ^Yurcan, Bryan (January 8, 2009). "USPS, Capital One dispute remains in discovery". Direct Marketing News.
- ^"Postal Regulatory Commission Proceedings". United States Postal Service.
- ^Clabaugh, Jeff (January 12, 2005). "Capital One completes Onyx acquisition". American City Business Journals.
- ^"Capital One Completes Acquisition of Hibernia Corporation" (Press release). U.S. Securities and Exchange Commission. November 16, 2005.
- ^"Capital One Completes Acquisition of North Fork Bancorporation" (Press release). U.S. Securities and Exchange Commission. December 1, 2006.
- ^Moyer, Liz (March 4, 2006). "A Hot Time In Banking". Forbes.
- ^"Capital One Acquires Nation's Prepaid Card Leader NetSpend". American Banker. August 8, 2007.
- ^"Capital One Closes Wholesale Mortgage Unit". CNBC. Associated Press. August 20, 2007.
- ^Bauerlein, Valerie (August 21, 2007). "Capital One to Close Its GreenPoint Unit". The Wall Street Journal.
- ^"Capital One Financial Closes Wholesale Mortgage Unit". CNBC. Associated Press. August 20, 2007.
- ^"Capital One, Form 8-K, Current Report, Filing Date Nov 18, 2008"(PDF). secdatabase.com. November 18, 2008.
- ^"CAPITAL PURCHASE PROGRAM Transaction Report"(PDF). Tarp Transactions. United States Treasury. November 17, 2008.
- ^"Capital One, Form 8-K, Current Report, Filing Date Jun 17, 2009". secdatabase.com. June 17, 2009.
- ^Protess, Ben (April 25, 2013). "DEALBOOK; Capital One Settles Charges It Understated Loan Losses". The New York Times.
- ^"Capital One to Buy Chevy Chase Bank". The New York Times. December 4, 2008.
- ^Fitzpatrick, Dan (December 4, 2008). "Capital One to Acquire Chevy Chase Bank". The Wall Street Journal.
- ^Goldfarb, Zachary A.; Appelbaum, Binyamin (December 4, 2008). "Capital One Awoke To Its Dream Deal". The Washington Post.
- ^"Capital One Completes Acquisition of Chevy Chase Bank" (Press release). PR Newswire. February 27, 2009.
- ^"Capital One Completes Acquisition of Hudson's Bay Company's Credit Card Portfolio". Capital One (Press release). January 11, 2011.
- ^"ING To Sell ING Direct USA to Capital One" (Press release). ING Group. June 16, 2011.
- ^"Federal Reserve Board announces public meetings on the notice by Capital One Financial Corporation to acquire ING Bank" (Press release). Federal Reserve System. August 26, 2011.
- ^Felsenthal, Mark (August 25, 2011). "Fed's Hoenig Says Doesn't See Recession Looming". Reuters.
- ^Pearlstein, Steven (August 28, 2011). "Steven Pearlstein: Time to say no to bank consolidation". The Washington Post.
- ^"Capital One Completes Acquisition of ING Direct" (Press release). PR Newswire. February 17, 2012.
- ^"Conditional Merger Approval"(PDF). Office of the Comptroller of Currency. October 17, 2012. Archived from the original(PDF) on February 16, 2013. Retrieved February 13, 2014.
- ^Ruiz Switzky, Bryant (November 8, 2012). "ING Direct rebranded as Capital One 360". American City Business Journals.
- ^Douglas, Danielle (April 10, 2011). "Capital One wins deal to back Kohl's credit cards". The Washington Post.
- ^"Kohl's and Capital One Announce Extended Contract for Private Label Credit Card". Capital One (Press release). May 15, 2014.
- ^Wilchins, Dan; Thomas, Denny (August 10, 2011). "Capital One bulks up U.S. cards with HSBC deal". Reuters.
- ^Kiernan, John S. (May 3, 2012). "Most HSBC Credit Cards Become Capital One Credit Cards". WalletHub.
- ^Douglas, Danielle (August 10, 2011). "Capital One snags HSBC credit card business". The Washington Post.
- ^Yurcan, Bryan (February 27, 2012). "Isis Adds Three Banks to its Mobile Wallet". InformationWeek.
- ^Mlot, Stephanie (September 20, 2013). "Capital One Drops Support for Isis Mobile Wallet". PC Magazine.
- ^Ellis, Blake (January 25, 2013). "Say goodbye to more bank branches". CNN.
- ^Medici, Andy (May 4, 2016). "Here's how much Capital One is spending this year to close, renovate its branches". American City Business Journals.
- ^"CAPITAL ONE JOINS CLEARXCHANGE NETWORK"(PDF) (Press release). pymnts.com. February 19, 2014.
- ^"Early Warning Completes Acquisition of clearXchange" (Press release). Early Warning. January 12, 2016. Archived from the original on June 17, 2017. Retrieved May 29, 2017.
- ^Perez, Sarah (January 12, 2015). "Capital One Acquires Budgeting App Level Money". TechCrunch.
- ^Perez, Sarah (July 8, 2015). "Capital One Acquires Oakland-Based Design And Development Firm Monsoon". TechCrunch.
- ^"Capital One Completes Acquisition of GE Capital's Healthcare Financial Services Lending Business" (Press release). PR Newswire. December 1, 2015.
- ^Perez, Sarah (October 6, 2016). "Capital One acquires online price tracker Paribus". TechCrunch.
- ^Yurcan, Bryan (October 12, 2016). "Capital One Adds to Its Growing List of Fintech Deals". American Banker.
- ^"Walmart and Capital One Sign Credit Card Program Agreement". Walmart (Press release). July 26, 2018.
- ^Ramirez, Kelsey (November 16, 2017). "Capital One suddenly exits mortgage and home equity business". HousingWire.com.
- ^Surane, Jennifer (November 7, 2017). "Capital One Exits Mortgage Origination Business, Cuts 1,100 Jobs". Bloomberg L.P.
- ^Wilchins, Dan (August 20, 2007). "Capital One slashes jobs, mortgage industry swoons". Reuters.
- ^Merle, Renae (June 16, 2011). "Capital One Bank to acquire ING Direct USA". The Washington Post.
- ^Perez, Sarah (May 11, 2018). "Capital One acquires digital identity and fraud alert startup Confyrm". TechCrunch.
- ^Nash, Andrew (May 11, 2018). "Confyrm Joins Capital One to Fuel Consumer Identity Services at Scale". Medium.
- ^DiCamillo, Nathan (May 30, 2018). "How Capital One sees digital identity as a business opportunity". American Banker.
- ^Son, Hugh (November 20, 2018). "Capital One buys tech start-up used by millions to price-check while shopping on Amazon". CNBC. Retrieved September 9, 2020.
- ^"Capital One Bowl will be renamed". Retrieved November 18, 2019.
- ^"Stadium History". Retrieved November 18, 2019.
- ^Dosh, Kristi (November 3, 2013). "Capital One maximizing March's madness". ESPN.
- ^Hornblass, JJ (April 11, 2013). "Cap One Uses March Madness to Mine Customer Data, Even After Tournament". Bank Innovation.
- ^Steinberg, Dan (August 9, 2017). "Verizon Center to become Capital One Arena, starting now". The Washington Post.
- ^Medici, Andy (August 9, 2017). "Verizon Center to become Capital One Arena, starting now". American City Business Journals.
- ^Pimpo Jr., Stephen (May 27, 2018). "Capital One changes website logo to support Caps ahead of Stanley Cup finals". WJLA-TV.
- ^Brandt, Caroline (May 27, 2018). "Capital One Bank just made a Caps-themed update to its logo and we're here for it". NBC Sports.
- ^ ab"Doubt Over Capital One's Commitment to Philanthropy" (Press release). National Committee for Responsive Philanthropy. October 4, 2011. Archived from the original on March 6, 2014. Retrieved February 10, 2014.
- ^"Charity group wary of Capital One-ING merger". NBC News. Associated Press. October 5, 2011.
- ^"Capital One fined for misleading millions of customers". BBC News. July 18, 2012.
- ^"Capital One, Form 8-K, Current Report, Filing Date Jul 18, 2012"(PDF). secdatabase.com. July 18, 2012.
- ^"Capital One to pay $210 million in fines, consumer refunds". CNN. July 18, 2012.
- ^Dale, Margaret A. (August 19, 2014). "Capital One to Pay Largest TCPA Settlement on Record". The National Law Review. Proskauer Rose. ISSN 2161-3362.
- ^Slawe, Meredith C.; Madway, Brynne S. (August 11, 2014). "Capital One Agrees to $75 Million Telephone Consumer Protection Act (TCPA) Settlement". The National Law Review.
- ^ abLazarus, David (February 17, 2014). "Capital One says it can show up at cardholders' homes, workplaces". Los Angeles Times.
- ^Alix, Amanda (February 19, 2014). "Capital One to Customers: You Can't Hide From Us". The Motley Fool.
- ^"Frequently Asked Questions". Capital One. Archived from the original on July 30, 2019. Retrieved July 30, 2019.
- ^McLean, Rob (July 30, 2019). "A hacker gained access to 100 million Capital One credit card applications and accounts". CNN. Retrieved July 30, 2019.
- ^"404 Not Found". Washington Post. Archived from the original on July 30, 2019.
- ^https://www.cbsnews.com/news/capital-one-hacker-amazon-employee-paige-thompson/ What we know about accused Capital One hacker Paige Thompson.
- ^Dellinger, AJ. "Capital One Data Breach Stamped Complaint". documentcloud.org. Retrieved February 28, 2020.
- ^"Capital One Took Nearly Two Weeks to Disclose Its Hack and Customers Still Don't Know if They Were Affected". July 31, 2019.
- ^Villas-Boas, Antonio. "Capital One was hacked and people on social media are slamming the bank's response". Business Insider. Retrieved February 28, 2020.
- ^Dellinger, A. J. "Capital One Hit With Class-Action Lawsuit Following Massive Data Breach". Forbes. Retrieved February 28, 2020.
- ^"United States of America Before the Board of Governors of the Federal Reserve System"(PDF) (Press release). Federal Reserve Board. August 6, 2020.
- ^"Capital One Class Action Filed Over Data Breach". Top Class Actions. August 1, 2019. Retrieved February 28, 2020.
- ^"Colson Hicks Eidson Files Class Action Lawsuit Against Capital One For Negligence In Massive Data Breach". Colson Hicks Eidson. August 16, 2019. Retrieved February 28, 2020.
- ^Moritz-Rabson, Daniel (August 2, 2019). "GitHub "actively encourages" hacking, suit filed against company after Capital One hack says". Newsweek. Retrieved February 28, 2020.
- ^Andriotis, AnnaMaria (February 24, 2017). "Capital One Discloses Probe Into Anti-Money Laundering Program". The Wall Street Journal. ISSN 0099-9660. Retrieved February 28, 2020.
- ^"Capital One Bank fined $100 million over money-laundering controls". Reuters. October 23, 2018. Retrieved February 28, 2020.
- ^"OCC Assesses $100 Million Civil Money Penalty Against Capital One". occ.treas.gov. October 23, 2018. Retrieved February 28, 2020.
- ^"Capital One Fined Millions for Ineffective Money-Laundering Protection". Investopedia. Retrieved October 3, 2021.
- ^"FinCEN Announces $390,000,000 Enforcement Action Against Capital One, National Association for Violations of the Bank Secrecy Act | FinCEN.gov". www.fincen.gov. Retrieved October 3, 2021.
External links[edit]
Simple
Terms & Conditions
By enrolling your eligible Capital One credit card in Shop with Points at Amazon.com, your credit card account will be linked to your Amazon.com account. You authorize and direct Capital One to share information about your Capital One credit card rewards account with Amazon Services LLC and/or its affiliates.
Capital One rewards may be redeemed to pay for all or a portion of eligible purchases at Amazon.com. Capital One will deduct any rewards you redeem from your rewards balance at the time the order is placed.
Redemption values for Capital One rewards may vary and are subject to change by Capital One at any time.
If any of the products related to your original order are returned, subject to Amazon’s returns policy, you will receive a refund of the amount charged to your card first, followed by Capital One rewards points. If a refund of your Capital One rewards points cannot be processed by Capital One for reasons including but not limited to (a) closure of your card account, (b) closure of your rewards account, or (c) conversion of your rewards to a non-reward account, Amazon will issue an Amazon Gift Card to you for an amount equal to the value of the Capital One rewards points used towards your purchase.
In the event your eligible Capital One credit card is linked to an Amazon.com account that is not your own, or you allow others to access your Amazon.com account where you have linked an eligible Capital One credit card, your Capital One rewards balance will be displayed and your rewards will be available for their use.
Additional Capital One service terms may apply.
For details, please visit the rewards page in your Capital One online servicing account or your rewards terms hereYou will also like:
- Home depot carpets
- Donkey kong gif
- Goldman sachs hr
- Skyrim erandur mod
- Cool treehouse accessories
- Tickle media forum
- Wuxia coiling dragon
Aleluia. He sucked all the liquid into his scarlet mouth, walked with the rough velvet of his tongue, collecting a line of salt on her. Body, greedily grabbed the first slice of lemon, bit it through and a small spray of juiciness settled on the white skin of the pubis.
The other half was eaten in a more cruel way, and before Yana had time to look back, this magician parted her legs.