Capital One mobile app review

Keep track of your accounts and manage your finances.

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A young woman paying with her smartphone

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There’s little reason not to download the Capital One mobile app if you have a Capital One card and a smartphone. The app is free and it will make managing your finances a breeze.

Benefits of the Capital One mobile app

Downloading the Capital One mobile app can help you:

  • Monitor your accounts.
    Keep an eye on your transactions, your available credit and get instant purchase notifications.
  • Make payments.
    Pay your balance or use Zelle to send money to friends and family.
  • Rewards tracking.
    Monitor your reward miles or redeem them through the app.
  • CreditWise score access.
    Get access to your VantageScore 3.0 from TransUnion. This can be useful if you’re using one of Capital One’s credit-building cards and you want to keep an eye on your progress.
  • Card lock.
    Lock your card in case you misplace it or lose it. Unlock it whenever you want.
  • Paperless statements.
    Access your monthly statement as soon as it’s available.

Drawbacks of the Capital One mobile app

In general, credit card apps have more benefits than drawbacks. But to see if an app is worth downloading, you can either read customer reviews or see how it ranks in the J.D. Power’s credit card mobile app satisfaction study.

The study takes several aspects into consideration, including app simplicity, functionality, visual user experience and content.

Customer reviews

Users love the app and the features it offers. Some users have reported bugs and issues with the app, but this happens often with most mobile apps. Expect future updates to fix some of the issues.

The J.D. Power’s credit card mobile app satisfaction study from 2019 rates Capital One mobile app with three power circle ratings out of five. This is a one circle jump from the previous year when it was rated with two circles.

Compare Capital One credit cards

If you own a Capital One card, or if you’re considering applying for another, the Capital One mobile app can help you manage multiple cards with ease.

Name Product Filter values Rewards Purchase APR Annual fee
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
2x miles on all purchases and 10x miles at hotels.com/venture
17.49%, 22.24% or 24.74% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
16.24%, 21.74% or 25.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $300 after spending $3,000 in the first 3 months.
1.25x miles on all purchases and 10x miles at hotels.com/venture
0% intro for the first 12 months (then 13.74%, 19.74% or 23.74% variable)
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
1.5% cash back on all purchases
26.99% variable
$39
Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.

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Bottom line

The Capital One mobile app can help you simplify your credit card management. It’s free and you can monitor your account, pay your bills, redeem rewards, get access to your credit score and more.

If you’re still wondering which card to get, compare credit cards until you find one that works for you.

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