Capital One
US bank and credit card issuer with fee-free online checking, savings and a mobile app.
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Is Capital One free?
Yes, free to use
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About Capital One
Capital One is a large US bank best known for its credit cards, and also runs 360 Checking and savings accounts that are managed mainly online and in its mobile app. The 360 Checking account has no monthly fees, no minimum balance and no overdraft fees, and comes with access to a large fee-free ATM network plus Zelle for sending money. The app handles card lock and unlock, mobile check deposit, credit score tracking through CreditWise, rewards redemption and a subscription manager, and its assistant Eno flags unusual charges. A small number of Capital One Cafés and branches give in-person help in some cities. It suits US customers who want a mainstream bank with no-fee everyday accounts and good credit card options under one login. Discover is now part of Capital One. Deposit accounts are FDIC insured. It's only for US residents, and branch coverage is thin outside a few regions.
Best for: US customers who want fee-free online checking and a credit card from the same bank.
Pros and cons
What works
- 360 Checking has no monthly fees, minimums or overdraft fees
- 70,000+ fee-free ATMs across Capital One, MoneyPass and Allpoint
- App covers card lock, credit score (CreditWise) and subscription management
- Wide choice of credit cards alongside the bank accounts
Why people leave
- Only available to US residents
- Few physical branches outside certain regions
- No multi-currency accounts for holding foreign money
Capital One vs Chime, U.S. Bank and Wise
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | Capital One | Chime | U.S. Bank | Wise |
|---|---|---|---|---|
| Pricing | Free | Free | Free plan + paid | Free |
| Verified price | — | — | — | — |
| Free plan | Free app | Free app | Yes | Free app |
| Open source | No | No | No | No |
| Self-hostable | No | No | No | No |
| Platforms | Web, iOS, Android | iOS, Android, Web | Web, iOS, Android | Web, iOS, Android |
Full Capital One vs Chime comparisonFull Capital One vs U.S. Bank comparison
Top Capital One alternatives
See all 5- 1
Chime66.5Fee-free mobile banking with early direct deposit and no minimum balance.
- 2
U.S. Bank64.8Big national bank with branches across the Midwest and West and a full card line-up.
- 3
Wise61.8Better for holding and spending many currencies at the mid-market rate, which a US checking account can't do.
- 4
Chase61.8Largest US branch network and a full set of cards, checking and investing in one app.
- 5
Citi42.3Larger branch network and relationship tiers for people who keep more money in one bank.
Why people left Capital One
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
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Capital One: common questions
What is Capital One?
Capital One: US bank and credit card issuer with fee-free online checking, savings and a mobile app. Best for US customers who want fee-free online checking and a credit card from the same bank. Available for Web, iOS and Android.
Is Capital One free?
Yes, Capital One is free to use.
Is Capital One open source?
No, Capital One is not open source.
What platforms does Capital One run on?
Capital One is available for Web, iOS and Android.
What are the best alternatives to Capital One?
The highest-ranked Capital One alternatives right now are Chime, U.S. Bank and Wise. See the full ranked list for pricing, platforms and verified facts.
Capital One vs Chime: what's the difference?
Both Capital One and Chime are free to use. Both run on Web, iOS and Android.