capital one credit card online login

Log in to your US American Express account, to activate a new card, review and spend your reward points, get a question answered, or a range of other. $1 spent = 1 point** with your JCPenney Credit Card. $2 spent = 1 point** any other way you pay. Earn up to 2,000 points on a single purchase. More Benefits. Use the Capital One Location Finder to find nearby Capital One locations.

Capital one credit card online login -

Changes to your account services in Quicken

What happened?

Your financial institution has changed to a new method of providing data to applications like Quicken. Going forward, you'll use a bank-hosted sign-in form to authorize downloads.  The overall process for adding accounts and downloading is the same, but the screen you use to sign in to your financial institution will look different.

With this new connection method, you'll sign in to authorize your accounts directly from Quicken, rather than storing your passwords in the Quicken Password Vault.  

For your security, your financial institution may periodically request that you reauthorize your accounts in Quicken by signing in again. This may happen every 90 days or so.  

What does this mean for me?

Note: You will need to have your financial institution password to complete the new authorization process.

When you update or add your accounts in Quicken, you'll be prompted to authorize your accounts–just enter your financial institution username and password, check the box next to each of your accounts, and then authorize the access.  Make sure all of your accounts are checked, even if they're already added to Quicken.  See this FAQ for complete instructions for Windows.

If you have multiple accounts

You'll need to authorize your accounts for each instance of your financial institution individually. 

For example, if you have a checking account with Acme Bank, and a credit card account with Acme Bank - Credit Cards, you will need to go through the process twice, one for each instance of your financial institution.  Don't worry–Quicken will prompt you if you need to go through the process more than once.  

If you do need to go through the migration process more than once, it's important that you don't uncheck any accounts listed on the authorization screen, unless you don't want to see the account at all in Quicken:

If you uncheck accounts during the process, this will revoke your authorization, and prevent the accounts from updating.  If you've unchecked accounts, you can just follow this FAQ for Windows to authorize them again for download into Quicken.

NOTE: if you have multiple accounts with just one financial institution instance, you'll only need to go through the process once.

Troubleshooting

What if I'm getting an error when I try to update my accounts?

If you are getting an error when updating your accounts, we recommend to first check the Quicken Community for alerts on widespread issues or outages. You can also search for the specific error number or message in the Search Bar above. You should be able to find a resolution for your specific error. 

What if I'm being asked to authorize my accounts repeatedly?

We have been investigating reports from some users of experiencing an authorization 'loop', where once the authorization has been completed for the Schwab accounts, the message to authorize continues to appear when an update is performed.

There are two potential causes to this issue:

First Cause:
This behavior may occur if you have multiple data files with Schwab accounts connected for transaction download.  At this time, the new Schwab authorization process is limited to a single data file, and if Schwab accounts are connected or authorized in a different file, the original file connection is signed out, and you will again be prompted to authorize the accounts.

Second Cause:
This behavior may occur if there are any hidden or closed Schwab accounts in your data file that are still connected for downloads.

If you experience this behavior and do not have multiple data files, please check the Account List for any hidden or closed accounts that are still connected for transaction download.

To resolve this issue - Go to the Tools menu and select "Manage Hidden Accounts" and review the list for any Schwab accounts that may be marked as hidden and/or closed. Uncheck the box so they appear in the account list again. Then go to the Tools menu > Account List and click the 'Edit' button to the right of each Schwab account name. In the window that opens, go to the middle tab for "Online Services" and select the "Deactivate" button.

Once these accounts have been deactivated from downloads, the prompt to authorize the accounts should no longer to appear. 

Источник: https://www.quicken.com/support/changes-your-account-services-quicken

Capital One

Bank holding company headquartered in McLean, Virginia

Capital One logo.svg
CapitalOneHQ body.jpg

Capital One Tower in Tysons, Virginia

TypePublic

Traded as

IndustryFinancial services
FoundedJuly 21, 1994; 27 years ago (July 21, 1994)
Richmond, Virginia, U.S.
FounderRichard Fairbank, Nigel Morris
HeadquartersCapital 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)
ProductsRetail banking, credit cards, loans, savings
RevenueDecrease US$26.033 billion (2020)[1]

Operating income

Decrease US$3.203 billion (2020) [1]

Net income

Decrease US$2.714 billion (2020) [1]
Total assetsIncrease US$421.602 billion (2020) [1]
Total equityIncrease US$60.204 billion (2020) [1]

Number of employees

Increase51,985 (2020) [2]
SubsidiariesWikibuy, ShareBuilder, Paribus, United Income, BlueTarp, Adaptive Path, Confyrm, Capital One Securities, Critical Stack, Monsoon Company, Finnoble Solutions, Notch
Capital ratio11.2% (2018)
Websitewww.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]

Capital One retail footprint as of 2010

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]

CapitalOne Café in Chicago

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]

In November 2021, the company introduced Venture X, a travel rewards credit card, with a $395 annual fee.[70]

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.[71] The company exited the mortgage origination business on November 7, 2017, laying off 1,100 employees.[72] This was the second closure; the first occurred on August 20, 2007, when GreenPoint Mortgage unit was closed.[73] 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.[74]

Other acquisitions[edit]

In May 2018, the company acquired Confyrm, a digital identity and fraud alert service.[75][76][77]

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.[78]

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.[79] 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.[80]

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.[81][82] 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.[83][84]

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.[85][86]

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".[87] 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.[87] 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".[88]

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.[89] The company agreed to pay $210 million to settle the legal action and to refund two million customers.[90] This was the CFPB's first public enforcement action.[91]

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.[92] 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.[93]

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."[94] 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".[94] 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'".[95]

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.[96] 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.[97][98]

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".[99]

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.[100]

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.[101] On social media and in the mainstream press, Capital One's contradictory July 2019 press statement was mocked[102][103] 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.[104] 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[105] and circuit courts.[106]

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[107]

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".[108]

In 2018, Capital One was fined $100 million for failure to monitor, detect, and prevent money laundering.[109] Charging documents[110] 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.[111][112]

Notable office buildings[edit]

References[edit]

  1. ^ abcde"Capital One Financial Corporation 2020 Form 10-K". United States Securities and Exchange Commission. February 25, 2021. Retrieved March 4, 2021.
  2. ^"Capital One Financial: Number of Employees 2006-2021 | COF".
  3. ^ abcdefgh"IR Overview".
  4. ^"Capital One 360 Café Locations". Capital One.
  5. ^"Fortune 500: Capital One". Fortune.
  6. ^"Capital One: #9th on 100 Best Companies to Work For in 2021". Fortune.
  7. ^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.
  8. ^Comoreanu, Alina (February 10, 2017). "Market Share by Credit Card Issuer". WalletHub.
  9. ^CHARNIGA, JACKIE (October 10, 2018). "Ally Financial leads in Q2 auto loan market share, Experian says". Automotive News.
  10. ^"Glassdoor's Best Places To Work". Capital One. Retrieved April 12, 2020.
  11. ^Snouwaert, Jessica. "The 25 best companies to work for, based on employee satisfaction". Business Insider. Retrieved April 1, 2020.
  12. ^"100 Best Companies to Work For". Fortune. Retrieved May 11, 2021.
  13. ^"COMPANY NEWS; SIGNET BANKING TO SPIN OFF CREDIT CARD BUSINESS". The New York Times. July 28, 1994.
  14. ^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.
  15. ^Milligan, Jack (June 3, 2011). "Capital One Charts a New Course". Bank Director.
  16. ^ abPerez, Saul (March 5, 2015). "Capital One's history: From credit cards to a diversified bank". Market Realist.
  17. ^Wheatley, Malcolm (November 1, 2001). "Capital One Builds Entire Business on Savvy Use of IT". CIO magazine.
  18. ^"CAPITAL ONE PLANS PURCHASE OF AUTO FINANCING COMPANY". The New York Times. Bloomberg L.P. July 17, 1998.
  19. ^Mcnamee, Mike (November 21, 1999). "Capital One: Isn't There More To Life Than Plastic?". Bloomberg L.P.
  20. ^Pedchenko, Alex (March 10, 2017). "TOP 6 companies using NodeJS in production". Medium.
  21. ^"Capital One Financial Agrees to Acquire PeopleFirst Inc.; Expands Auto Financing Business" (Press release). U.S. Securities and Exchange Commission. September 21, 2001.
  22. ^"PeopleFirst Changes Brand to Capital One Auto Finance" (Press release). PR Newswire. June 27, 2003.
  23. ^"Postal Service Files Capital One Negotiated Service Agreement". September 20, 2002.
  24. ^"Experimental Rate and Service Changes to Implement Negotiated Service Agreement with Capital One: OPINION AND RECOMMENDED DECISION"(PDF). May 15, 2003.
  25. ^Campanelli, Melissa (August 25, 2006). "PRC Says OK To Capital One NSA Extension". Direct Marketing News.
  26. ^"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.
  27. ^Yurcan, Bryan (January 8, 2009). "USPS, Capital One dispute remains in discovery". Direct Marketing News.
  28. ^"Postal Regulatory Commission Proceedings". United States Postal Service.
  29. ^Clabaugh, Jeff (January 12, 2005). "Capital One completes Onyx acquisition". American City Business Journals.
  30. ^"Capital One Completes Acquisition of Hibernia Corporation" (Press release). U.S. Securities and Exchange Commission. November 16, 2005.
  31. ^"Capital One Completes Acquisition of North Fork Bancorporation" (Press release). U.S. Securities and Exchange Commission. December 1, 2006.
  32. ^Moyer, Liz (March 4, 2006). "A Hot Time In Banking". Forbes.
  33. ^"Capital One Acquires Nation's Prepaid Card Leader NetSpend". American Banker. August 8, 2007.
  34. ^"Capital One Closes Wholesale Mortgage Unit". CNBC. Associated Press. August 20, 2007.
  35. ^Bauerlein, Valerie (August 21, 2007). "Capital One to Close Its GreenPoint Unit". The Wall Street Journal.
  36. ^"Capital One Financial Closes Wholesale Mortgage Unit". CNBC. Associated Press. August 20, 2007.
  37. ^"Capital One, Form 8-K, Current Report, Filing Date Nov 18, 2008"(PDF). secdatabase.com. November 18, 2008.
  38. ^"CAPITAL PURCHASE PROGRAM Transaction Report"(PDF). Tarp Transactions. United States Treasury. November 17, 2008.
  39. ^"Capital One, Form 8-K, Current Report, Filing Date Jun 17, 2009". secdatabase.com. June 17, 2009.
  40. ^Protess, Ben (April 25, 2013). "DEALBOOK; Capital One Settles Charges It Understated Loan Losses". The New York Times.
  41. ^"Capital One to Buy Chevy Chase Bank". The New York Times. December 4, 2008.
  42. ^Fitzpatrick, Dan (December 4, 2008). "Capital One to Acquire Chevy Chase Bank". The Wall Street Journal.
  43. ^Goldfarb, Zachary A.; Appelbaum, Binyamin (December 4, 2008). "Capital One Awoke To Its Dream Deal". The Washington Post.
  44. ^"Capital One Completes Acquisition of Chevy Chase Bank" (Press release). PR Newswire. February 27, 2009.
  45. ^"Capital One Completes Acquisition of Hudson's Bay Company's Credit Card Portfolio". Capital One (Press release). January 11, 2011.
  46. ^"ING To Sell ING Direct USA to Capital One" (Press release). ING Group. June 16, 2011.
  47. ^"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.
  48. ^Felsenthal, Mark (August 25, 2011). "Fed's Hoenig Says Doesn't See Recession Looming". Reuters.
  49. ^Pearlstein, Steven (August 28, 2011). "Steven Pearlstein: Time to say no to bank consolidation". The Washington Post.
  50. ^"Capital One Completes Acquisition of ING Direct" (Press release). PR Newswire. February 17, 2012.
  51. ^"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.
  52. ^Ruiz Switzky, Bryant (November 8, 2012). "ING Direct rebranded as Capital One 360". American City Business Journals.
  53. ^Douglas, Danielle (April 10, 2011). "Capital One wins deal to back Kohl's credit cards". The Washington Post.
  54. ^"Kohl's and Capital One Announce Extended Contract for Private Label Credit Card". Capital One (Press release). May 15, 2014.
  55. ^Wilchins, Dan; Thomas, Denny (August 10, 2011). "Capital One bulks up U.S. cards with HSBC deal". Reuters.
  56. ^Kiernan, John S. (May 3, 2012). "Most HSBC Credit Cards Become Capital One Credit Cards". WalletHub.
  57. ^Douglas, Danielle (August 10, 2011). "Capital One snags HSBC credit card business". The Washington Post.
  58. ^Yurcan, Bryan (February 27, 2012). "Isis Adds Three Banks to its Mobile Wallet". InformationWeek.
  59. ^Mlot, Stephanie (September 20, 2013). "Capital One Drops Support for Isis Mobile Wallet". PC Magazine.
  60. ^Ellis, Blake (January 25, 2013). "Say goodbye to more bank branches". CNN.
  61. ^Medici, Andy (May 4, 2016). "Here's how much Capital One is spending this year to close, renovate its branches". American City Business Journals.
  62. ^"CAPITAL ONE JOINS CLEARXCHANGE NETWORK"(PDF) (Press release). pymnts.com. February 19, 2014.
  63. ^"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.
  64. ^Perez, Sarah (January 12, 2015). "Capital One Acquires Budgeting App Level Money". TechCrunch.
  65. ^Perez, Sarah (July 8, 2015). "Capital One Acquires Oakland-Based Design And Development Firm Monsoon". TechCrunch.
  66. ^"Capital One Completes Acquisition of GE Capital's Healthcare Financial Services Lending Business" (Press release). PR Newswire. December 1, 2015.
  67. ^Perez, Sarah (October 6, 2016). "Capital One acquires online price tracker Paribus". TechCrunch.
  68. ^Yurcan, Bryan (October 12, 2016). "Capital One Adds to Its Growing List of Fintech Deals". American Banker.
  69. ^"Walmart and Capital One Sign Credit Card Program Agreement". Walmart (Press release). July 26, 2018.
  70. ^Adams, Dia (November 10, 2021). "Capital One Venture X Card 2021 Review". Forbes. Retrieved November 23, 2021.
  71. ^Ramirez, Kelsey (November 16, 2017). "Capital One suddenly exits mortgage and home equity business". HousingWire.com.
  72. ^Surane, Jennifer (November 7, 2017). "Capital One Exits Mortgage Origination Business, Cuts 1,100 Jobs". Bloomberg L.P.
  73. ^Wilchins, Dan (August 20, 2007). "Capital One slashes jobs, mortgage industry swoons". Reuters.
  74. ^Merle, Renae (June 16, 2011). "Capital One Bank to acquire ING Direct USA". The Washington Post.
  75. ^Perez, Sarah (May 11, 2018). "Capital One acquires digital identity and fraud alert startup Confyrm". TechCrunch.
  76. ^Nash, Andrew (May 11, 2018). "Confyrm Joins Capital One to Fuel Consumer Identity Services at Scale". Medium.
  77. ^DiCamillo, Nathan (May 30, 2018). "How Capital One sees digital identity as a business opportunity". American Banker.
  78. ^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.
  79. ^"Capital One Bowl will be renamed". Retrieved November 18, 2019.
  80. ^"Stadium History". Retrieved November 18, 2019.
  81. ^Dosh, Kristi (November 3, 2013). "Capital One maximizing March's madness". ESPN.
  82. ^Hornblass, JJ (April 11, 2013). "Cap One Uses March Madness to Mine Customer Data, Even After Tournament". Bank Innovation.
  83. ^Steinberg, Dan (August 9, 2017). "Verizon Center to become Capital One Arena, starting now". The Washington Post.
  84. ^Medici, Andy (August 9, 2017). "Verizon Center to become Capital One Arena, starting now". American City Business Journals.
  85. ^Pimpo Jr., Stephen (May 27, 2018). "Capital One changes website logo to support Caps ahead of Stanley Cup finals". WJLA-TV.
  86. ^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.
  87. ^ 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.
  88. ^"Charity group wary of Capital One-ING merger". NBC News. Associated Press. October 5, 2011.
  89. ^"Capital One fined for misleading millions of customers". BBC News. July 18, 2012.
  90. ^"Capital One, Form 8-K, Current Report, Filing Date Jul 18, 2012"(PDF). secdatabase.com. July 18, 2012.
  91. ^"Capital One to pay $210 million in fines, consumer refunds". CNN. July 18, 2012.
  92. ^Dale, Margaret A. (August 19, 2014). "Capital One to Pay Largest TCPA Settlement on Record". The National Law Review. Proskauer Rose. ISSN 2161-3362.
  93. ^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.
  94. ^ abLazarus, David (February 17, 2014). "Capital One says it can show up at cardholders' homes, workplaces". Los Angeles Times.
  95. ^Alix, Amanda (February 19, 2014). "Capital One to Customers: You Can't Hide From Us". The Motley Fool.
  96. ^"Frequently Asked Questions". Capital One. Archived from the original on July 30, 2019. Retrieved July 30, 2019.
  97. ^McLean, Rob (July 30, 2019). "A hacker gained access to 100 million Capital One credit card applications and accounts". CNN. Retrieved July 30, 2019.
  98. ^"404 Not Found". Washington Post. Archived from the original on July 30, 2019.
  99. ^https://www.cbsnews.com/news/capital-one-hacker-amazon-employee-paige-thompson/ What we know about accused Capital One hacker Paige Thompson.
  100. ^Dellinger, AJ. "Capital One Data Breach Stamped Complaint". documentcloud.org. Retrieved February 28, 2020.
  101. ^"Capital One Took Nearly Two Weeks to Disclose Its Hack and Customers Still Don't Know if They Were Affected". July 31, 2019.
  102. ^Villas-Boas, Antonio. "Capital One was hacked and people on social media are slamming the bank's response". Business Insider. Retrieved February 28, 2020.
  103. ^Dellinger, A. J. "Capital One Hit With Class-Action Lawsuit Following Massive Data Breach". Forbes. Retrieved February 28, 2020.
  104. ^"United States of America Before the Board of Governors of the Federal Reserve System"(PDF) (Press release). Federal Reserve Board. August 6, 2020.
  105. ^"Capital One Class Action Filed Over Data Breach". Top Class Actions. August 1, 2019. Retrieved February 28, 2020.
  106. ^"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.
  107. ^Moritz-Rabson, Daniel (August 2, 2019). "GitHub "actively encourages" hacking, suit filed against company after Capital One hack says". Newsweek. Retrieved February 28, 2020.
  108. ^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.
  109. ^"Capital One Bank fined $100 million over money-laundering controls". Reuters. October 23, 2018. Retrieved February 28, 2020.
  110. ^"OCC Assesses $100 Million Civil Money Penalty Against Capital One". occ.treas.gov. October 23, 2018. Retrieved February 28, 2020.
  111. ^"Capital One Fined Millions for Ineffective Money-Laundering Protection". Investopedia. Retrieved October 3, 2021.
  112. ^"FinCEN Announces $390,000,000 Enforcement Action Against Capital One, National Association for Violations of the Bank Secrecy Act

    Best Capital One Credit Cards Of November 2021

    Best Capital One Credit Cards

    Best premium travel card

    Capital One Venture X Rewards Credit Card

    Up to 10X Reward Rate

    Earn 2 miles per dollar on all eligible purchases and 5 miles per dollar on flights and 10 miles perRead More

    Welcome Bonus

    100,000 miles

    Regular APR

    16.99% - 23.99% (Variable)

    Credit Score

    Excellent (750 - 850)

    Pros & Cons

    • Annual fee lower than others in its category
    • Annual travel credit and anniversary points alone could justify the annual fee
    • Points are easy to earn and easy to use
    • Lack of domestic airline and upscale hotel travel partners
    • Capital One lounge network in its infancy
    • Lack of hotel status benefits

    Card Details

    • Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1,000 in travel
    • Limited-time Offer: Receive up to $200 back in statement credits for vacation rentals charged to your account within your first year
    • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get our best prices on thousands of options
    • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
    • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases
    • Escape the airport crowd and recharge before your flight with unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
    • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

    Best for dining and entertainment rewards

    Savor Rewards Credit Card *

    Savor Rewards Credit Card

    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 for purchases and balance transfers

    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

    Best for earning travel rewards with a moderate annual fee

    Capital One Venture Rewards Credit Card

    Up to 5X Reward Rate

    Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase,Read More

    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 rewards rate.

    Pros & Cons

    • High rewards rate
    • Solid welcome bonus
    • No intro APR offer
    • 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 a $100 credit for Global Entry or TSA PreCheck®
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get our best prices on thousands of trip options
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Transfer your miles to your choice of 15+ travel loyalty programs
    • No foreign transaction fees

    Best for earning travel rewards with no annual fee

    Capital One VentureOne Rewards Credit Card

    Up to 5X Reward Rate

    Earn 5X miles on hotels and rental cars booked through Capital One Travel, and earn unlimited 1.25X miles on everyRead More

    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
    • Ongoing rewards rate is relatively low
    • Welcome bonus is mediocre

    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
    • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get our best prices on thousands of trip options
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Transfer your miles to your choice of 15+ travel loyalty programs
    • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 14.99% – 24.99% variable APR after that

    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 period, 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 and balance transfers for 15 months; 14.99%-24.99% variable APR after that
    • $0 annual fee and 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
    • 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 and balance transfers for 15 months; 14.99% – 24.99% variable APR after that
    • No foreign transaction fee
    • No annual fee

    Best for fair credit

    Capital One Platinum Credit Card

    Regular APR

    26.99% (Variable)

    Credit Score

    Average, Fair, Limited

    Why We Picked It

    If you've got fair credit, the Capital One Platinum Credit Card offers a no-frills path to get back on your feet. Since there's no annual fee, this can be a low cost option if you make your payments on time and don't carry a balance. Given the shockingly high APR, it's wise to use the card for everyday expenses and pay the balance in full.

    Pros & Cons

    • No foreign transaction fees
    • Applicants with fair credit may be approved
    • Increased credit line possible in as little as 6 months
    • Very high variable APR
    • No rewards program
    • No welcome bonus or intro APR offer
    • 3% cash advance fee (min $10)

    Card Details

    • Pay no annual fee
    • Be automatically considered for a higher credit line in as little as 6 months
    • Fraud coverage if your card is lost or stolen
    • Use online banking to access your account, even from your smartphone, with our mobile app
    • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
    • Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
    • Get access to your account 24 hours a day, 7 days a week
    • Help build your credit through responsible use of a card like this

    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

    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 Walmart

    Capital One® Walmart Rewards® Card *

    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 students for dining and entertainment rewards

    Capital One SavorOne Student Cash Rewards Credit Card

    Источник: https://www.forbes.com/advisor/credit-cards/best/capital-one/

    The Union Plus Credit Card Program from Capital One

    Welcome to the Online Help Center. Here you'll find information on applying for a card, managing your Account online and answers to common cardholder questions.

    Learn more about Union Plus and the benefits it provides to union members
    Learn more about the AFL-CIO and the benefits it offers through Union Plus


    Application

    Learn more about Union Plus Credit Cards
    Respond to Mail Offer
    Apply over phone by calling 1-800-522-4000
    Questions about Application Status 1-800-651-5108
    Eligibility - To be eligible for a Union Plus Credit Card you must be a current member in good standing of a participating union, a retired union member, or a family member of a current union member in good standing of a participating union, or a member of Working America, who reside in the 50 United States, Washington, DC, or a U.S. Military location. Credit approval required. Terms and conditions apply.

    Источник: https://www.theunioncard.com/helpfaq/

    Enroll in Paperless Statements and Letters

    To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox.

    Enrollment in Credit Card Paperless Statements and E-Communications

    We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

    To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements.

    Minimum System Requirements

    Your privacy and security are important to us. That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential.

    Getting Paper Copies

    If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you.

    Cancelling Paperless Statements and E-Communications

    You may cancel through account online or by calling us at the number on the back of your card.

    Updating Email Address

    We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card.

    Credit Card Paperless Statements and E-Communications Authorization

    I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically.

    You will receive paperless notifications at the email address currently associated with your account.

    Источник: https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=PLCN_BESTBUY

    You can watch a thematic video

    The Union Plus Credit Card Program from Capital One

    Welcome to the Online Help Center. Here you'll find information on applying for a card, managing your Account online and answers to common cardholder questions.

    Learn more about Union Plus and the benefits it provides to union members
    Learn more about the AFL-CIO and the benefits it offers through Union Plus


    Application

    Learn more about Union Plus Credit Cards
    Respond to Mail Offer
    Apply over phone by calling 1-800-522-4000
    Questions about Application Status 1-800-651-5108
    Eligibility - To be eligible for a Union Plus Credit Card you must be a current member in good standing of a participating union, a retired union member, or a family member of a current union member in good standing of a participating union, or a member of Working America, who reside in the 50 United Capital one credit card online login, Washington, DC, or a U.S. Military location. Credit approval required. Terms and conditions apply.

    Источник: https://www.theunioncard.com/helpfaq/

    Best Capital One Credit Cards Of November 2021

    Best Capital One Credit Cards

    Best premium travel card

    Capital One Venture X Rewards Credit Card

    Up to 10X Reward Rate

    Earn 2 miles per dollar on all eligible purchases and 5 miles per dollar on flights and 10 miles perRead More

    Welcome Bonus

    100,000 miles

    Regular Capital one credit card online login - 23.99% (Variable)

    Credit Score

    Excellent (750 - 850)

    Pros & Cons

    • Annual fee lower than others in its category
    • Annual travel credit and anniversary points alone could justify the annual fee
    • Points are easy to earn and easy to use
    • Lack of domestic airline and upscale hotel travel partners
    • Capital One lounge network in its infancy
    • Lack of hotel status benefits

    Card Details

    • Earn 100,000 bonus miles when you spend $10,000 on purchases in the first 6 months from account opening, equal to $1,000 in travel
    • Limited-time Offer: Receive up to $200 back in statement credits for vacation rentals charged to your account within your first year
    • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you’ll get our best prices on thousands of options
    • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
    • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases
    • Escape the airport crowd and recharge before your flight with unlimited access to all-inclusive amenities at the Capital One Lounge and at 1,300+ Priority Pass lounges worldwide
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
    • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs

    Best for dining and entertainment rewards

    Savor Rewards Credit Card *

    Savor Rewards Credit Card

    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 for purchases and balance transfers

    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

    Best for earning travel rewards with a moderate annual fee

    Capital One Venture Rewards Credit Card

    Up to 5X Reward Rate

    Earn 5X miles on hotels and rental cars booked through Capital One Travel. Earn unlimited 2X miles on every purchase,Read More

    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 rewards rate.

    Pros & Cons

    • High rewards rate
    • Solid welcome bonus
    • No intro APR offer
    • 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 a $100 credit for Global Entry or TSA PreCheck®
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get our best prices on thousands of trip options
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Transfer your miles to your choice of 15+ travel loyalty programs
    • No foreign transaction fees

    Best for earning travel rewards with no annual fee

    Capital One VentureOne Rewards Credit Card

    Up to 5X Reward Rate

    Earn 5X miles on hotels and rental cars booked through Capital One Travel, and earn unlimited 1.25X miles on everyRead More

    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
    • Ongoing rewards rate is relatively low
    • Welcome bonus is mediocre

    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
    • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get our best prices on thousands of trip options
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Transfer your miles to your choice of 15+ travel loyalty programs
    • Enjoy 0% intro APR on purchases and balance transfers for 15 months; 14.99% – 24.99% variable APR after that

    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 period, 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 and balance transfers for 15 months; 14.99%-24.99% variable APR after that
    • $0 annual fee and 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
    • 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 and balance transfers for 15 months; 14.99% – 24.99% variable APR after that
    • No foreign transaction fee
    • No annual fee

    Best for fair credit

    Capital One Platinum Credit Card

    Regular APR

    26.99% (Variable)

    Credit Score

    Average, Fair, Limited

    Why We Picked It

    If you've got fair credit, the Capital One Platinum Credit Card offers a no-frills path to get back on your feet. Since there's no annual fee, this can be a low cost option if you make your payments on time and don't carry a balance. Given the shockingly high APR, it's wise to use the card for everyday expenses and pay the balance in full.

    Pros & Cons

    • No foreign transaction fees
    • Applicants with fair credit may be approved
    • Increased credit line possible in as capital one credit card online login as 6 months
    • Very high variable APR
    • No rewards program
    • No welcome bonus or intro APR offer
    • 3% cash advance fee (min $10)

    Card Details

    • Pay no annual fee
    • Be automatically considered for a higher credit line in as little as 6 months
    • Fraud coverage if your card is lost or stolen
    • Use online banking to access your account, even from your smartphone, with our mobile app
    • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
    • Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
    • Get access to your account 24 hours a day, 7 days a week
    • Help build your credit through responsible use of a card like this

    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

    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 Walmart

    Capital One® Walmart Rewards® Card *

    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 students for dining and entertainment rewards

    Capital One SavorOne Student Cash Rewards Credit Card

    Источник: https://www.forbes.com/advisor/credit-cards/best/capital-one/

    Capital One

    Bank holding company headquartered in McLean, Virginia

    Capital One logo.svg
    CapitalOneHQ body.jpg

    Capital One Tower in Tysons, Virginia

    TypePublic

    Traded as

    IndustryFinancial services
    FoundedJuly 21, 1994; 27 years capital one credit card online login 21, 1994)
    Richmond, Virginia, U.S.
    FounderRichard Fairbank, Nigel Morris
    HeadquartersCapital 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)
    ProductsRetail banking, credit cards, loans, savings
    RevenueDecrease US$26.033 billion (2020)[1]

    Operating income

    Decrease US$3.203 billion (2020) [1]

    Net income

    Decrease US$2.714 billion (2020) [1]
    Total assetsIncrease US$421.602 billion (2020) [1]
    Total equityIncrease US$60.204 billion (2020) [1]

    Number of employees

    Increase51,985 (2020) [2]
    SubsidiariesWikibuy, ShareBuilder, Paribus, United Income, BlueTarp, Adaptive Path, Confyrm, Capital One Securities, Critical Stack, Monsoon Company, Finnoble Solutions, Notch
    Capital ratio11.2% (2018)
    Websitewww.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]

    Capital One retail footprint as of 2010

    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]

    CapitalOne Café in Chicago

    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 merrill edge login problems 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 Capital one credit card online login 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]

    In November 2021, the company introduced Venture X, a travel rewards credit card, with a $395 annual fee.[70]

    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.[71] The company exited the mortgage origination business on November 7, 2017, laying off 1,100 employees.[72] This was the second closure; the first occurred on August 20, 2007, when GreenPoint Mortgage unit was closed.[73] 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.[74]

    Other acquisitions[edit]

    In May 2018, the company acquired Confyrm, a digital identity and fraud alert service.[75][76][77]

    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.[78]

    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.[79] 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.[80]

    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.[81][82] 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.[83][84]

    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.[85][86]

    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".[87] 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.[87] 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".[88]

    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.[89] The company agreed to pay $210 million to settle the legal action and to refund two million customers.[90] This was the CFPB's first public enforcement action.[91]

    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.[92] 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.[93]

    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."[94] 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".[94] 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'".[95]

    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.[96] 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.[97][98]

    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".[99]

    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.[100]

    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.[101] On social media and in the mainstream press, Capital One's contradictory July 2019 press statement was mocked[102][103] 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 capital one credit card online login Governors announced a cease and desist order against Capital One resulting from the breach.[104] 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[105] and circuit courts.[106]

    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[107]

    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".[108]

    In 2018, Capital One was fined $100 million for failure to monitor, detect, and prevent money laundering.[109] Charging documents[110] 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.[111][112]

    Notable office buildings[edit]

    References[edit]

    1. ^ abcde"Capital One Financial Corporation 2020 Form 10-K". United States Securities and Exchange Commission. February 25, 2021. Retrieved March 4, 2021.
    2. ^"Capital One Financial: Number of Employees 2006-2021 | COF".
    3. ^ abcdefgh"IR Overview".
    4. ^"Capital One 360 Café Locations". Capital One.
    5. ^"Fortune 500: Capital One". Fortune.
    6. ^"Capital One: #9th on 100 Best Companies to Work For in 2021". Fortune.
    7. ^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.
    8. ^Comoreanu, Alina (February 10, 2017). "Market Share by Credit Card Issuer". WalletHub.
    9. ^CHARNIGA, JACKIE (October 10, 2018). "Ally Financial leads in Q2 auto loan market share, Experian says". Automotive News.
    10. ^"Glassdoor's Best Places To Work". Capital One. Retrieved April 12, 2020.
    11. ^Snouwaert, Jessica. "The 25 best companies to work for, based on employee satisfaction". Business Insider. Retrieved April 1, 2020.
    12. ^"100 Best Companies to Work For". Fortune. Retrieved May 11, 2021.
    13. ^"COMPANY NEWS; SIGNET BANKING TO SPIN OFF CREDIT CARD BUSINESS". The New York Times. July 28, 1994.
    14. ^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.
    15. ^Milligan, Jack (June 3, 2011). "Capital One Charts a New Course". Bank Director.
    16. ^ abPerez, Saul (March 5, 2015). "Capital One's history: From credit cards to a diversified bank". Market Realist.
    17. ^Wheatley, Malcolm (November 1, 2001). "Capital One Builds Entire Business on Savvy Use of IT". CIO magazine.
    18. ^"CAPITAL ONE PLANS PURCHASE OF AUTO FINANCING COMPANY". The New York Times. Bloomberg L.P. July 17, 1998.
    19. ^Mcnamee, Mike (November 21, 1999). "Capital One: Isn't There More To Life Than Plastic?". Bloomberg L.P.
    20. ^Pedchenko, Alex (March 10, 2017). "TOP 6 companies using NodeJS in production". Medium.
    21. ^"Capital One Financial Agrees to Acquire PeopleFirst Inc.; Expands Auto Financing Business" (Press release). U.S. Securities and Exchange Commission. September 21, 2001.
    22. ^"PeopleFirst Changes Brand to Capital One Auto Finance" (Press release). PR Newswire. Capital one credit card online login 27, 2003.
    23. ^"Postal Service Files Capital One Negotiated Service Agreement". September 20, 2002.
    24. ^"Experimental Rate and Service Changes to Implement Negotiated Service Agreement with Capital One: OPINION AND RECOMMENDED DECISION"(PDF). May 15, 2003.
    25. ^Campanelli, Melissa (August 25, 2006). "PRC Says OK To Capital One NSA Extension". Direct Marketing News.
    26. ^"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.
    27. ^Yurcan, Bryan (January 8, 2009). "USPS, Capital One dispute remains in discovery". Direct Marketing News.
    28. ^"Postal Regulatory Commission Proceedings". United States Postal Service.
    29. ^Clabaugh, Jeff (January 12, 2005). "Capital One completes Onyx acquisition". American City Business Journals.
    30. ^"Capital One Completes Acquisition of Hibernia Corporation" (Press release). U.S. Securities and Exchange Commission. November 16, 2005.
    31. ^"Capital One Completes Acquisition of North Fork Bancorporation" (Press release). U.S. Securities and Exchange Commission. December 1, 2006.
    32. ^Moyer, Liz (March 4, 2006). "A Hot Time In Banking". Forbes.
    33. ^"Capital One Acquires Nation's Prepaid Card Leader NetSpend". American Banker. August 8, 2007.
    34. ^"Capital One Closes Wholesale Mortgage Unit". CNBC. Associated Press. August 20, 2007.
    35. ^Bauerlein, Valerie (August 21, 2007). "Capital One to Close Its GreenPoint Unit". The Wall Street Journal.
    36. ^"Capital One Financial Closes Wholesale Mortgage Unit". CNBC. Associated Press. August 20, 2007.
    37. ^"Capital One, Form 8-K, Current Report, Filing Date Nov 18, 2008"(PDF). secdatabase.com. November 18, 2008.
    38. ^"CAPITAL PURCHASE PROGRAM Transaction Report"(PDF). Tarp Transactions. United States Treasury. November 17, 2008.
    39. ^"Capital One, Form 8-K, Current Report, Filing Date Jun 17, 2009". secdatabase.com. June 17, 2009.
    40. ^Protess, Ben (April 25, 2013). "DEALBOOK; Capital One Settles Charges It Understated Loan Losses". The New York Times.
    41. ^"Capital One to Buy Chevy Chase Bank". The New York Times. December 4, 2008.
    42. ^Fitzpatrick, Dan (December 4, 2008). "Capital One to Acquire Chevy Chase Bank". The Wall Street Journal.
    43. ^Goldfarb, Zachary A.; Appelbaum, Binyamin (December 4, 2008). "Capital One Awoke To Its Dream Deal". The Washington Post.
    44. ^"Capital One Completes Acquisition of Chevy Chase Bank" (Press release). PR Newswire. February 27, 2009.
    45. ^"Capital One Completes Acquisition of Hudson's Bay Company's Credit Card Portfolio". Capital One (Press release). January 11, 2011.
    46. ^"ING To Sell ING Direct USA to Capital One" (Press release). ING Group. June 16, 2011.
    47. ^"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.
    48. ^Felsenthal, Mark (August 25, 2011). "Fed's Hoenig Says Doesn't See Recession Looming". Reuters.
    49. ^Pearlstein, Steven (August 28, 2011). "Steven Pearlstein: Time to say no to bank consolidation". The Washington Post.
    50. ^"Capital One Completes Acquisition of ING Direct" (Press release). PR Newswire. February 17, 2012.
    51. ^"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.
    52. ^Ruiz Switzky, Bryant (November 8, 2012). "ING Direct rebranded as Capital One 360". American City Business Journals.
    53. ^Douglas, Danielle (April 10, 2011). "Capital One wins deal to back Kohl's credit cards". The Washington Post.
    54. ^"Kohl's and Capital One Announce Extended Contract for Private Label Credit Card". Capital One (Press release). May 15, 2014.
    55. ^Wilchins, Dan; Thomas, Denny (August 10, 2011). "Capital One bulks up U.S. cards with HSBC deal". Reuters.
    56. ^Kiernan, John S. (May 3, 2012). "Most HSBC Credit Cards Become Capital One Credit Cards". WalletHub.
    57. ^Douglas, Danielle (August 10, 2011). "Capital One snags HSBC credit card business". The Washington Post.
    58. ^Yurcan, Bryan (February 27, 2012). "Isis Adds Three Banks to its Mobile Wallet". InformationWeek.
    59. ^Mlot, Stephanie (September 20, 2013). "Capital One Drops Support for Isis Mobile Wallet". PC Magazine.
    60. ^Ellis, Blake (January 25, 2013). "Say goodbye to more bank branches". CNN.
    61. ^Medici, Andy (May 4, 2016). "Here's how much Capital One is spending this year to close, renovate its branches". American City Business Journals.
    62. ^"CAPITAL ONE JOINS CLEARXCHANGE NETWORK"(PDF) (Press release). pymnts.com. February 19, 2014.
    63. ^"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.
    64. ^Perez, Sarah (January 12, 2015). "Capital One Acquires Budgeting App Level Money". TechCrunch.
    65. ^Perez, Sarah (July 8, 2015). "Capital One Acquires Oakland-Based Design And Development Firm Monsoon". TechCrunch.
    66. ^"Capital One Completes Acquisition of GE Capital's Healthcare Financial Services Lending Business" (Press release). PR Newswire. December 1, 2015.
    67. ^Perez, Sarah (October 6, 2016). "Capital One acquires online price tracker Paribus". TechCrunch.
    68. ^Yurcan, Bryan (October 12, 2016). "Capital One Adds to Its Growing List of Fintech Deals". American Banker.
    69. ^"Walmart and Capital One Sign Credit Card Program Agreement". Walmart (Press release). July 26, 2018.
    70. ^Adams, Dia (November 10, 2021). "Capital One Venture X Card 2021 Review". Forbes. Retrieved November 23, 2021.
    71. ^Ramirez, Kelsey (November 16, 2017). "Capital One suddenly exits mortgage and home capital one credit card online login business". HousingWire.com.
    72. ^Surane, Jennifer (November 7, 2017). "Capital One Exits Mortgage Origination Business, Cuts 1,100 Jobs". Bloomberg L.P.
    73. ^Wilchins, Dan (August 20, 2007). "Capital One slashes jobs, mortgage industry swoons". Reuters.
    74. ^Merle, Renae (June 16, 2011). "Capital One Bank to acquire ING Direct USA". The Washington Post.
    75. ^Perez, Sarah (May 11, 2018). "Capital One acquires digital identity and fraud alert startup Confyrm". TechCrunch.
    76. ^Nash, Andrew (May 11, 2018). "Confyrm Joins Capital One to Fuel Consumer Identity Services at Scale". Medium.
    77. ^DiCamillo, Nathan (May 30, 2018). "How Capital One sees digital identity as a business opportunity". American Banker.
    78. ^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.
    79. ^"Capital One Bowl will be renamed". Retrieved November 18, 2019.
    80. ^"Stadium History". Retrieved November 18, 2019.
    81. ^Dosh, Kristi (November 3, 2013). "Capital One maximizing March's madness". ESPN.
    82. ^Hornblass, JJ (April 11, 2013). "Cap One Uses March Madness to Mine Customer Data, Even After Tournament". Bank Innovation.
    83. ^Steinberg, Dan (August 9, 2017). "Verizon Center to become Capital One Arena, starting now". The Washington Post.
    84. ^Medici, Andy (August 9, 2017). "Verizon Center to become Capital One Arena, starting now". American City Business Journals.
    85. ^Pimpo Jr., Stephen (May 27, 2018). "Capital One changes website logo to support Caps ahead of Stanley Cup finals". WJLA-TV.
    86. ^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.
    87. ^ 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.
    88. ^"Charity group wary of Capital One-ING merger". NBC News. Associated Press. October 5, 2011.
    89. ^"Capital One fined for misleading millions of customers". BBC News. July 18, 2012.
    90. ^"Capital One, Form 8-K, Current Report, Filing Date Jul 18, 2012"(PDF). secdatabase.com. July 18, 2012.
    91. ^"Capital One to pay $210 million in fines, consumer refunds". CNN. July 18, 2012.
    92. ^Dale, Margaret A. (August 19, 2014). "Capital One to Pay Largest TCPA Settlement on Record". The National Law Review. Proskauer Rose. ISSN 2161-3362.
    93. ^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.
    94. ^ abLazarus, David (February 17, 2014). "Capital One says it can show up at cardholders' homes, workplaces". Los Angeles Times.
    95. ^Alix, Amanda (February 19, 2014). "Capital One to Customers: You Can't Hide From Us". The Motley Fool.
    96. ^"Frequently Asked Questions". Capital One. Archived from the original on July 30, 2019. Retrieved July 30, 2019.
    97. ^McLean, Rob (July 30, 2019). "A hacker gained access to 100 million Capital One credit card applications and accounts". CNN. Retrieved July 30, 2019.
    98. ^"404 Not Found". Washington Post. Archived from the original on July 30, 2019.
    99. ^https://www.cbsnews.com/news/capital-one-hacker-amazon-employee-paige-thompson/ What we know about accused Capital One hacker Paige Thompson.
    100. ^Dellinger, AJ. "Capital One Data Breach Stamped Complaint". documentcloud.org. Retrieved February 28, 2020.
    101. ^"Capital One Took Nearly Two Weeks to Disclose Its Hack and Customers Still Don't Know if They Were Affected". July 31, 2019.
    102. ^Villas-Boas, Antonio. "Capital One was hacked and people on social media are slamming the bank's response". Business Insider. Retrieved February 28, 2020.
    103. ^Dellinger, A. J. "Capital One Hit With Class-Action Lawsuit Following Massive Data Breach". Forbes. Retrieved February 28, 2020.
    104. ^"United States of America Before the Board of Governors of the Federal Reserve System"(PDF) (Press release). Federal Reserve Board. August 6, 2020.
    105. ^"Capital One Class Action Filed Over Data Breach". Top Class Actions. August 1, 2019. Retrieved February 28, 2020.
    106. ^"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.
    107. ^Moritz-Rabson, Daniel (August 2, 2019). "GitHub "actively encourages" hacking, suit filed against company after Capital One hack says". Newsweek. Retrieved February 28, 2020.
    108. ^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.
    109. ^"Capital One Bank fined $100 million over money-laundering controls". Reuters. October 23, 2018. Retrieved February 28, 2020.
    110. ^"OCC Assesses $100 Million Civil Money Penalty Against Capital One". occ.treas.gov. October 23, 2018. Retrieved February 28, 2020.
    111. ^"Capital One Fined Millions for Ineffective Money-Laundering Protection". Investopedia. Retrieved October 3, 2021.
    112. ^"FinCEN Announces $390,000,000 Enforcement Action Against Capital One, National Association for Violations of the Bank Secrecy Act

      Pay with your
      Capital One rewards

      Use your credit card rewards to make purchases at
      millions of online stores when you check out with PayPal.

      Link Your Capital One Card

      Available on eligible transactions. Terms Apply

      Just a few clicks at checkout

      When you shop online, choose Checkout with PayPal. Select your Capital One card as the payment method and choose Use Capital One Rewards. Easy.

      Let's get started

      1. Login to PayPal and go to your Wallet.
      2. Click Link a card or bank then select Link a debit or credit card.
      3. Enter your eligible card information then tap Link Card.

      Once done, you'll see your available reward balance and an option to pay with rewards for eligible purchases when you check out with PayPal.1
      Terms apply

      View Wallet
      If you change your mind, click Details on your card page, then Stop Using Rewards with PayPal.

      1You may not see Pay with Rewards every time you check out online with a merchant. Not currently available for sending money, recurring payments, and in-store transactions. Pay with Rewards will be available for eligible credit cards on eligible purchases or can be donated to support a charitable cause with PayPal Giving Fund. All reward redemptions are subject to your issuer’s reward program terms. To learn more about Pay with Rewards, see terms and conditions.

      *Third-party merchant offers are subject to additional terms. See merchants’ website for more information. All offers are subject to change at any time without notice.

      We’ll use cookies to improve and customize your experience if you continue to browse. Is it OK if we also use cookies to show you personalized ads? Learn more and manage your cookies

      Источник: https://www.paypal.com/us/webapps/mpp/pay-with-rewards/capitalone

      Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted.

      Advertiser Disclosure

      We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

      Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

      Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

      Capital One cash advances might be useful in a pinch, but there are probably cheaper ways to get access to cash.

      If you need cash quickly — say to pay a housing deposit for a last-minute move or catch up on a bill that’s past-due — it can be incredibly stressful. In high-stress money situations, it’s tempting to look for the quickest solution. That’s why some people turn to credit card cash advances, which are essentially short-term loans from a credit card.

      You can get a Capital One cash advance at ATMs or at bank locations displaying a Visa or Mastercard logo, withdrawing the cash in the same way you would with a debit card. But because credit card cash advances are short-term loans from your credit card company, they involve fees and accrue interest.

      The process of getting a cash advance might be simple, but the fees are often hefty and can add up quickly. So you may want to consider other options if you need cash.

      Let’s take a look at the ins and outs of a Capital One cash advance.

      Find a personal loan that works for me Shop for Loans Now

      How to get a Capital One cash advance

      The process of getting a Capital One cash advance is straightforward, and you can get as many cash advances as you need as long as you stay within your available cash advance limit.

      1. Know your limit. The first step is to make sure that you know your cash advance limit, which is different from (and usually less than) your credit limit. You can find it through your most recent credit card statement, labeled as “Available Credit for Cash Advances.”

      2. Find your PIN. If you plan to get the cash advance from an ATM, you’ll capital one credit card online login your personal identification number. The PIN is specific to your Capital 5th third bank customer service phone number credit card. If you’re not sure what it is or you need to reset it, log in to your account online and reset it via “More Account Settings,” or call 1-800-227-4825.

      If you don’t have a PIN, you can still get a cash advance from a physical bank, as long as it displays a Visa or Mastercard logo, but you’ll need a government-issued ID, like a driver’s license, and your Capital One credit card.

      3. Choose your ATM. You can get a cash advance from an ATM. In other words, you don’t need to visit a Capital One ATM to get a cash advance. But it’s important to note that there might be extra ATM fees involved.

      4. Get the cash advance. Once you get to the ATM, insert your credit card and enter your PIN. Then select the option for cash advance and choose an amount within your available cash advance credit limit. Keep in mind that the ATM could have other limits on what you can withdraw.

      Find a personal loan that works for me Shop for Loans Now

      Fees and other potential pitfalls

      Like most loans, cash advances accrue interest and come with extra fees. Even though credit card purchases may have fees capital one credit card online login accrue interest as well, it works a little differently for cash advances thanks to their loan-like nature.

      Fees

      For almost all Capital One credit cards, you’ll pay a cash advance fee of either $10 or 3% of the amount of the cash advance (whichever one is greater).

      Here’s how that would work. Say you get a cash advance of $100. You’d pay a $10 fee, since $10 is greater is than 3% of the total amount (which would be $3). Now imagine that you got a $500 cash advance instead. You’d pay a cash advance fee of $15, which is 3% of $500.

      Depending on the amount of your cash advance, the fees can be costly.

      Cash advance APR

      The APR for cash advances is often higher than the APR for purchases. For Capital One credit cards, the variable APR for purchases ranges from around 13.9% to 24.9%. But the variable APR for cash advances is at the upper end of that range, at 24.9%. Plus, Capital One begins charging interest on the date of the cash advance transaction. This means there’s no grace period. Instead, your cash advance begins to accrue interest immediately, which can really add up over time and make a cash advance an expensive “short-term loan” option.

      Cash advances aren’t your only option if you need quick cash. In fact, you might be able to save money on fees and interest if you use your credit card to make the necessary purchase instead of for an advance. But if that’s not possible, here are some other choices to consider.

      Personal loan

      Even though Capital One doesn’t offer personal loans, there are lots of other lenders to choose from offering terms that might be more favorable than the terms of a cash advance. But it’s important to note that personal loans are not instant — it takes time to apply, get approval and receive the money — and a personal loan may still come with high interest rates, depending on the lender, the state of your credit and other factors.

      Borrow from friends and family

      If you’re facing an emergency and need cash, your friends and family might be able to help. Even if it isn’t your first choice, it’s probably a cheaper option, so it’s worth considering. But before borrowing from a friend or family member, think through all of the possible consequences.


      Bottom line

      If you’re in a true emergency, a cash advance might be a useful solution. But it’s important to crunch the numbers and make sure that the short-term solution of a cash advance isn’t going to cause long-term stress. But if the situation isn’t really an emergency, it’s better to wait until you can save up the cash in your checking account to avoid the debt altogether.

      Find a personal loan that works for me Shop for Loans Now

      About the author: Taylor Milam-Samuel is a personal finance writer who is passionate about breaking down money barriers. She enjoys helping millennials become intentional about money and spending. Taylor holds a bachelor’s degree in En… Read more.

      Read More

      Источник: https://www.creditkarma.com/credit-cards/i/capital-one-cash-advance
      capital one credit card online login

2 Replies to “Capital one credit card online login”

Leave a Reply

Your email address will not be published. Required fields are marked *