Credit cards
The Venture and VentureOne cards earn miles; Quicksilver and QuicksilverOne earn flat-rate cash back; Savor and SavorOne focus on dining and entertainment rewards.
Bank & credit cards
Credit cards, banking, and auto financing.
Capital One is a major U.S. bank and credit card issuer known for cards like Venture, Quicksilver, and Savor, as well as online-focused checking and savings accounts and auto financing.
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Key services
- Credit cards✓
- 360 Checking✓
- 360 Performance Savings✓
- Auto loans✓
- Business cards✓
Online-first banking
About Capital One
A technology-forward bank with popular credit cards and online banking.
Capital One is one of the largest credit card issuers in the United States, offering a range of personal and business credit cards with rewards programs including miles, cash back, and dining rewards. Its online banking products — Capital One 360 Checking and 360 Performance Savings — carry no monthly fees and no minimum balance requirements.
Capital One also offers auto financing and has a growing branch presence in select cities, including Capital One Cafes. The Capital One Mobile app and CreditWise tool allow customers to manage accounts and monitor their credit score.
Common uses
What Capital One offers.
Capital One covers several common financial needs in one place.
360 Checking
A no-fee checking account with no minimum balance requirements, available branches and ATMs, and early direct deposit access.
360 Performance Savings
A high-yield savings account with no fees, no minimum balance, and interest compounded daily.
Auto financing
Capital One Auto Finance provides financing for new and used vehicle purchases through a network of participating dealerships.
Who is it for
Who uses Capital One.
Capital One is a strong fit for people who want a no-fee online checking or high-yield savings account, frequent travelers who prefer earning miles on the Venture card family, and cash-back seekers who like a straightforward flat-rate or dining-focused rewards card. It is also used by people building or rebuilding credit through secured or lower-tier cards.
Getting started
How to get started with Capital One.
Visit capitalone.com to apply for a credit card or open a 360 Checking or 360 Performance Savings account. Applications are done entirely online.
For credit cards, review the rewards structure, annual fee, and sign-up bonus before applying. Capital One's pre-approval tool lets you check eligibility without affecting your credit score.
For banking accounts, there is no minimum deposit to open a 360 Checking or 360 Performance Savings account. Link an external account to fund it.
Download the Capital One Mobile app to manage cards and accounts, track rewards, lock or unlock your card, and monitor your credit score through the free CreditWise tool.
Common questions
Frequently asked questions about Capital One.
What is the difference between Venture and Quicksilver?
Venture and VentureOne earn miles redeemable for travel purchases and transfers to airline and hotel partners. Quicksilver and QuicksilverOne earn unlimited 1.5% cash back on all purchases with no category restrictions. Venture cards are generally better for frequent travelers, while Quicksilver is simpler for everyday spending.
Does Capital One 360 Checking have a monthly fee?
No. Capital One 360 Checking has no monthly fee, no minimum balance requirement, and no foreign transaction fees. It includes access to Capital One and Allpoint ATMs with no fee from Capital One.
What is CreditWise?
CreditWise is a free tool from Capital One that lets you monitor your TransUnion credit score and receive alerts when there are changes to your credit report. It is available to anyone, not just Capital One customers, through the Capital One app or website.
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Information source: Capital One's official U.S. website and product pages. Last verified June 2026.
US Living Tips is an independent directory and is not affiliated with or endorsed by Capital One.