Capital One
2 comparisons available
About Capital One
Capital One Financial Corporation is a major US bank and credit card issuer, founded in 1994 and headquartered in McLean, Virginia. Capital One is the third-largest credit card issuer in the US (behind Chase and American Express) and one of the largest online banks. Capital One has approximately $480 billion in assets and 100+ million customers across credit cards, banking, and auto loans. The company is publicly traded (NYSE: COF) with a $50+ billion market cap. Capital One's flagship credit cards include the Venture Rewards (2x miles on everything, $95 annual fee), Venture X (premium travel card), Quicksilver (1.5% cash back, no annual fee), and Savor (4% on dining, entertainment, streaming). Capital One 360 banking offers no-fee checking, high-yield savings, and a network of 70,000+ free ATMs. In 2024, Capital One announced an acquisition of Discover Financial for $35.3 billion (pending regulatory approval through 2025).
Frequently Asked Questions
Is Capital One a good bank?
Capital One is consistently rated among the best online banks: no monthly fees on checking and savings, competitive savings yields (typically among the top 10 nationwide), 70,000+ free ATMs in the Allpoint network, and strong mobile app. Capital One 360 Checking has no minimum balance. Capital One's Cafe branches in major cities offer in-person service. Cons: branch network is smaller than Chase/Bank of America (only 250 branches), so cash deposits and certain services require online or partner ATMs.
Capital One Venture X vs Chase Sapphire Reserve: which is better?
Both are top premium travel cards. Venture X ($395 annual fee) wins on: lower annual fee than Sapphire Reserve ($550), simpler 2x miles on everything, $300 annual travel credit, lounges (Capital One Lounges + Priority Pass), and authorized users free. Sapphire Reserve wins on: more transfer partners (15+ airlines), better travel insurance, more flexible point redemption (1.5x via Pay Yourself Back), and stronger luxury hotel benefits. For value: Venture X edges Sapphire Reserve. For premium travel features: Sapphire Reserve still wins for power users.