Leave a Review Capital One Mobile
My favorite credit card app!
I love this app so much I even decided to go paperless with my statements. I can always see what is going on with myCapital One credit cards. I’m notified by text every time my card is charged. My Capital One Venture Card also gives me the option of “erasing” my travel purchases with the points earned on that card and I can take care of that in less than a minute with this app. This app is part of the reason that my Venture card is my favorite card. I have a Citi card too that has a rewards program I like a lot, because they send me a check once a year for my rewards, but their website is so terrible and I’ve never used their app. The only thing I don’t like is the app keeps saying I need to finish my account set up by adding my bank account to make payments which I will never do. I pay all my bills through my bank bill pay and everything is flagged to feed into the budget I made on my bank app.Show lessSunnyAppleby
All the access I need
I love the options available to me in the app and at my fingertips. I can make different Types of payments (one-time, recurring, etc), and each can be divided into payment and/or principal). Being able to add the additional funds to principal is going to make a huge impact on my payoff. Another feature is the ability to make bi-weekly payments (another bonus) that is going to help me payoff my loan even sooner without paying any additional funds/payments. And it will coincide with my paycheck so I don’t have to put the money aside every payperiod, it will just come out and be reducing my loan at the same time, leading to less interest being accrued. Win-Win!
You can also view previous bank statements too. It has the payment coupon attached so if I decide to mail a payment instead, it will be easily accessible. You can also see your balance. This is especially important near the end of your loan and your watching the final payments be made!
This is our first time using Capital One so we are new to the app, but so far so good!Show lessKimjohnsoncpa
Review
Capital One helped me rebuild my credit after I made the mistake of co-signing a vehicle for my boyfriend. He lost his job at one point and I was financially unstable due to being a full time college student to aid him in paying for his motorcycle that he purchased. The voluntary repossession, hurt me for years. I got denied for almost everything I tried to do. Years later, I decided to look into different companies to see which companies offered the best credit card to help me rebuild my credit. Again, I got denied one after another. I was very hopeless when I stumbled across Capital One. I then applied for the secured credit card and paid $99 because it was worth it to help me rebuild my credit and it sure helped! Within 6 months, with responsible use for emergencies only and paying on time. My credit limit went from 300 to 650. After a year, I decided to apply for a second credit card through Capital One, and my credit limit went from 1k to 5k in 6 months, again with responsible use and paying on time. Thank You, Capital One. For helping me rebuild my life, and credit after one mistake I decided to make. Thank you for taking a chance on me. Lesson learned.Show lessxoxoselenaaaa
Best credit card & app ever
I refused for years to have a credit card because of APR rates, annual fees, and the risk of miss use, but this card is secured, great for building credit, and no annual fee. Although there's a "higher" APR than some cards, the lack of annual fee makes up for that. Also the APR is almost the same as other cards, but what I like so much about this card is the interest doesn't start building up the day you buy things (like most other cards) it starts one month from the day you actually bought the item. So there's no interest on your item when your bill comes in (unless you wait till the second month to pay off the total amount of your purchase). The app is amazing alone. You connect it to your bank and you can make payments right there. All from your phone. I've looked into getting other cards, but the annual fee, interest starting from day one, lack of advance app, text alerts, and high APR has kept me staying loyal to capital one, and only capital one.Show lessMommakmcneely
What’s the point?
I’ve had the Capital One app for a while now and it was just to keep track of my 360 Money Market account. I did not use it heavily and would sometimes go months without even opening it because it was not really necessary for my needs at the time. Recently, I decided to add an external account to my money market account and of course tried to do this through the app. I had such a hard time trying to find where in the app I could add another account and got so frustrated that I just went on the Capital One website in Safari instead. On their, website it was so easy to find where I needed to go and was able to successfully add another account. I thought I missed something in the app but I went through the same process to get to the “Add External Accounts” page in the app as I did on the website just to discover that the option is nowhere on the app!! What’s the point of having the app if I have to go to Safari each time I want to actually do something?! Other than that, the app is fine, it just doesn’t make sense that I have to go on the Capital One website in Safari to complete a task when I already have the app.Show lessNkenky
Not practical for deposit account holders
From what I hear this app and Capital One as a whole is AMAZING for credit card holders but for those that own deposit accounts this app really isn’t that useful! I’ve been banking with Capital One for years and I can honestly say I miss a lot of the features the Capital One Wallet app used to provide. I’d love the developers of this app to take their deposit account holders into consideration and add features like alerts when a deposit is made to my account as well as alerts when a transaction is made over a certain dollar amount. To be clear, when I say alerts I mean actual notifications to my device sent from the app that appear on my home screen. I don’t want to have to receive alerts via text that is so outdated plus I have enough text threads as it is between work and family. I’m beginning to feel like Capital One isn’t interested in investing in their deposit account holders now or even in the future. I believe this company is more focused and geared towards their credit and lending services. To be fair Chase not only provides these basic notification services to customers but they also have added the ability to view what you spend money on weekly to their app. I do not want to close my accounts and go over to another bank because I truly enjoy banking with Cap. One. I love everything from the customer service all the way down to the debit card design. But I have a feeling I will leave if I don’t see any changes being made.Show lessDaJaBailey
Developer Response
We appreciate you taking time to provide us with your feedback regarding the app and its features. We're always looking at ways to make our app be the best it can be, so we'll be sure to pass along your feedback to our dev team. If you have any additional feedback to share with us, feel free to update your review.Capital One App
Love ❤️ the App Capital One!!! Thank you!!! It puts all of my Capital One card spending in perspective!!! It allows me to view each transaction even if it’s pending and I get notifications when a transaction on my card takes place!!!💕If I have an issue with a specific transaction I can dispute that right from the App!!! I feel the app would be a five ⭐️ plus if there were summary tabs for your totals after your account balance for your previous balance, for approved transactions, pending transactions and pending payments which would allow you to select any of the tabs to then pull the history for the breakdown that you already provide, for each new monthly billing cycle and a tab to view the history of the card activity to a date specified... this would allow us, card holders, to view are totals at a glance and could be a tool to help us view are spending habits and trends to help us better manage our spending over time! Also, if you’re disputing a transaction, I feel you should be able to view the transaction details before you have to request to cancel and mail a new card. I still ❤️ the app!!!Show lesskimberkash
Phenomenal speed great customer service
I am absolutely appalled 😮 at how Affective fast decision and constructive this bank has been thus far; with all sincerity Opening my 360 checking account was the greatest financial decision I ever made; I always love to be objectively unbiased in my reviews so I will say that in comparison to the other mobile apps I have tried Wells Fargo is much more user-friendly and accurate and I do not just say that because I am used to it I say that because I have tried all of them from Chase bank of America to Wells Fargo to TD now this (Capital One) And without question capital one is ranked number two in terms of mobile app support however in terms of live customer service; it may be easier to contact Wells Fargo 24 seven because of the malleability & fungible Mobile app; at the end of the day I can take solace knowing that there are live representatives who operate with absolute a hundred percent professionalism. I am very pleased thus far as my 360 checking account has gone. I would appreciate the mobile app being a little bit more scalable in terms of its functionality however I am not one to complain just pointing out the obvious.Show lessAhmad tarabichi
Ok app
For everyday stuff, the app does what it needs to do. For transfers (both paying people and transferring money to external accounts), lord help us all.
Cap 1 has been painfully behind Chase’s curve for nearly a decade now when trying to send money to people. Not only is transferring through Zelle a giant pain (Chase uses them too and it works fine, so why such a bad experience with Cap1?!), trying to know what automatic transfers have been set up is an act of futility. In the past, I could go to the website and see all of the transfers I have set up. The app shows them, but I can’t edit or cancel a series of transfers. Now, their website is just stupid with transfers and doesn’t even show them all even though the app shows them. I can’t cancel an upcoming transfer because it has gotten so far off target for when I actually need the money to appear in another account. So now I have to check back on the website (and risk forgetting) just to cancel a recurring transfer. I’ve had a transfer not show up anywhere, so I scheduled another one only to find out that caused two transfers. I tried to cancel one, they both disappeared. Set up another transfer only for there to be two transfers again. Get your *ish together Cap 1! Stop trying to redesign your website into the stupid boxes and make it functional!Show lesskdbourque
App”ic” Fail
Capital one app is a convenient way of tracking expenses and making on the spot payments. In our business it was a great card, with multiple users we made payments daily if not twice daily. Apps are made for convenience. However, with the C1 App there is no way to remove draft accounts. Some what Defeats the purpose of having a mobile App. We had someone break into our office and forge checks . Our bank(s) closed our accounts-as we have 3 dba’s. Just as our daily capital one payments were being drafted our accounts were closed. using the Capital one App, we added our new accounts- the only difference in draft account numbers were first 3 digits. The capital one App only shows the last 4 digits. So if you are traveling as we do in our industry, living by our smart phones, you are stuck guessing what account is the correct account to be drafted. Capital one closed our account and refused to reopen it. After 2 years of multiple weekly payments and 10 of thousands spent on the card monthly , our Capital one app failed us by not showing which bank account was which.
Make sure if you change bank accounts you are near a desktop to immediately change draft information because the mobile app will not allow you to delete accounts. We changed over 30 payable accounts due to this forgery nightmare. Capital one is the only card that failed us and closed our account- App is incomplete and still needs work.Show lessjeremy1927
