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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Capital One

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About bank

Capital One is an American bank founded in 1988 and quickly made it to the top ten credit card issuers in the US after signing up more than five million clients. Capital One expanded its business operations to Canada and the UK in 1996. Capital One Bank is a subsidiary of Capital One Financial Corporation. It is an entity specializing in credit cards, checking or savings accounts, auto loans, and other banking services developed for individuals, small businesses, and large commercial clients alike.

Today Capital One is one of the biggest banking organizations and trades on the New York Stock Exchange under the symbol “COF” and is included in the S&P 500 Index.

Based on assets and deposits, Capital One Bank ranks among the ten largest banks in the US.

Features

Capital One has been offering innovative credit solutions tailored to the individual needs of Canadians for over 20 years. For example, it has developed a broad spectrum of credit cards. The company offers cards that may be suitable for different customers with different needs. Whether they are looking for a credit card to build their credit or a card that offers travel insurance benefits, there’s a Capital One credit card option for them.

If customers are not sure, they can use the online application to find this out. Usually, it takes several minutes and the bank's response will be received within a couple of seconds.

Unfortunately, not all services provided by Capital One Bank are available for Canadians. The American version of the website contains much more information about the products while the Canadian one is only about credit cards.

Pros and cons

Capital One Bank has several advantages that may be attractive to customers. Here are the main pros of this bank.

  • The company operates in the US, UK, and Canada;

  • The bank offers a wide variety of credit cards;

  • If customers are not sure whether they can be approved for the card or not, they can use the bank's online tool Quick Check™;

  • Customers can manage their accounts via the mobile application or website;

  • The Canadian version of the website is available in French;

  • Some credit cards provided by the bank have a $0 annual fee;

  • You can establish or repair your credit;

  • The bank provides a credit card with lowered rates.

However, there are still some disadvantages that also must be taken into account.

  • Capital One Bank offers only credit cards to Canadian customers;

  • For some products the annual fees are pretty high;

  • Security funds can be required.

Products

  • Credit cards. The bank offers several types of credit cards that can be useful for many customers. These are Guaranteed Mastercard, Low Rate Mastercard, guaranteed secured Mastercard, Aspire Travel Platinum Mastercard, and Aspire Cash Platinum Mastercard. These are credit card types that are offered to Canadians.

  • Checking and savings accounts. Customers can open a bank account for any needs they require whether these are savings, checking, or kids/teens accounts. There are fixed or variable APY options.

  • Auto loans. Capital One Bank offers auto loans for customers who want to buy a new vehicle and also borrowed amounts can be used for their car refinancing.

  • Business cards. The bank can provide businessmen with credit cards for any needs that their businesses require. There are Spark 2% Cash Plus, two variations of Spark 1.5% Cash Select with standard and low APR, Spark 1% Classic, and Spark 1.5X Miles Select.

  • Business banking solutions. Besides credit cards, Capital One Bank offers many other products to businessmen such as checking and savings accounts, loans and lines of credit, trade credits, and many others.

  • Commercial banking solutions. On the bank's website, customers can adjust their needs and find products that they exactly need. These are commercial lending, corporate card, trade credit, and many other useful products.

Services

  • Tips and tools. The bank offers several online services for each financial product they provide like credit track, money management tips, and others.

  • Merchant services. Capital One offers provides businessmen with services that can speed up their cash flow with secure and reliable payment processing solutions.

  • Escrow Express. This is an online web portal developed for businessmen where customers can manage their funds 24/7.

  • Treasury management. Customers who use commercial products can use this type of service to take control of their payables and gain faster access to funds.

Also, there are a lot of services provided by Capital One Bank that can be very helpful for customers who use the bank's financial products.

Capital One

FAQ

What services and products are provided in Canada?

Unfortunately, among all financial products that the Bank offers, only credit cards are available for Canadians.

How can I manage my Capital One Bank account?

Customers can manage their accounts via the bank's website or download their mobile app. It is compatible with iOS and Android.

How can I choose the best product that Capital One Bank offers?

Customers can compare credit cards, accounts, and other products online on the website using a special tool Quick Check™ to see which cards you’ll be approved for.

Is Capital One Bank legitimate?

Capital One Bank is legitimate. It is a member of FDIC and it is listed on Canada's Business Registries. The business number is 898354204.

Company documents

Terms of Use
Privacy Policy

We’re in the business of helping customers succeed with credit.

© Capital One

Capital One service available provinces

  • Ontario
  • Quebec
  • Nova Scotia
  • New Brunswick
  • Manitoba
  • British Columbia
  • Prince Edward Island
  • Saskatchewan
  • Alberta
  • Newfoundland and Labrador
  • Northwest Territories
  • Yukon
  • Nunavut
Capital One service available provinces

Financial products

Capital One
Aspire Cash™ Platinum Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Capital One
Aspire Travel Platinum Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.80% - 21.90%
Capital One
Capital One Guaranteed Secured Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

28.49%
Capital One
Capital One Low Rate Guaranteed Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

14.9%
Capital One
Capital One Guaranteed Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19,8% - 21,9%
aggregation.company.all-products

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Recommended FinScore™
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