Capital One app review: Everything you need to know

As you’ll see in our Capital One app review, this app is great for anyone who already has a Capital One bank account, credit card, or loan. It’s a rock-solid account management tool that gives you all the features you need to track your purchases, pay your bills, and monitor your credit.

And although the app comes with a built-in virtual assistant named Eno, one of the main downsides is that you can’t chat with customer service in the app — you have to call instead.

Although the Capital One app has in-app money management tools, it’s not an all-in-one solution – and you may still need to pair it with a money management app. budgeting to get a complete view of your personal finances.

Read the rest of our Capital One app review to find out what we like and where the app falls short.

Capital One App Review: Features

Capital One has several features that make managing your money easier. Here’s where it shines and where it falls flat.

An example of the types of notifications Eno can send you in the Capital One app. (Image credit: Capital One)

Eno is Capital One’s digital assistant, and it’s available to help you in the app 24/7. You can ask Eno questions about your account, transactions and more. Additionally, it can send you personalized information, such as when a free trial is about to end or when you may have been charged twice for a purchase.

An example of how a virtual card number looks in the Capital One app. (Image credit: Capital One)

If you’re worried about security when shopping online, Capital One has you covered. With the app, you can generate virtual card numbers to use with online merchants. This way, your real account number is never exposed.

And if there’s a problem with a purchase, you can cancel your virtual card number so it can no longer be used.

The Capital One app offers customers several ways to keep their money safe. For example, you can:

  • Enable or disable maps in the app
  • Set up fingerprint or Face ID login for an extra layer of security
  • Get instant purchase alerts and notifications
  • Review detailed transactions for each purchase
  • Monitor your credit score

Combined, these features help protect your account against fraud and potential hackers.

Credit Wise showing a credit store on a mobile phone

What Credit Wise looks like in the Capital One mobile app. (Image credit: Capital One)

Capital One partners with Credit Wise, so you can track your credit score right in the mobile app. You can see your TransUnion credit score updated weekly for free with Credit Wise. Plus, you get personalized advice on how to improve it.

Does your household use Amazon Alexa? If so, you might like this feature. The Capital One mobile app syncs with any Amazon Alexa device, allowing you to check your balance, track your expenses and pay your bills on the go.

Simply activate the Capital One “skill” in the Alexa app. Then you can ask questions like, “What is the expiration date of my credit card? » Where “How much money do I have in savings?”

As with most banking apps, the most important thing about the Capital One app is that it lets you manage your money and accounts from anywhere – at work, on vacation, while running errands , and more.

Here are some of the things you can do in the app:

  • Activate new debit and credit cards
  • Get instant purchase alerts and notifications
  • Use credit card rewards
  • Deposit checks with just a photo
  • Check your credit with Credit Wise
  • Request virtual card numbers
  • Pay bills and manage loans
  • Send and receive money with Zelle
  • Review detailed transactions for each purchase
  • Get answers from Eno

The biggest downside to the Capital One app is that there’s no way to chat with customer support – a feature that’s becoming increasingly popular among digital banks. However, customer support is available 24/7 by phone, so you can always get help that way.

Capital One App Review: Pricing

The Capital One app is free. You can download it in App Store and Google Play.

Capital One App Review: Ease of Use

Overall, customers are very happy with the Capital One app and its ease of use. It is ranked the 7th best free financial apps on the Google Play Store and the 5th best financial apps on the Apple App Store.

Customers appreciate being able to check their account balances and transactions, transfer money, pay bills, and deposit checks all in one place. The app’s interface is intuitive, easy to navigate, and features are clearly labeled.

There are a few areas for improvement that customers have noted. Some would like to see more budgeting and financial tracking tools available in the app. Others note that certain actions take you out of the app and into a web browser instead.

For example, the app redirected me to the Capital One website when I tried to set up online access for a bank account.

Despite these minor complaints, the Capital One app is generally well-reviewed and considered very user-friendly. Customers find it useful and practical and appreciate its simple design.

Capital One App Review: Support

You cannot start a chat with customer service in the Capital One app. However, there are several ways to contact us if you need help:

  • Talk with EnoCapital One’s digital assistant
  • Search sound Support Center for answers to frequently asked questions
  • Call 1-877-383-4802 anytime to speak to a customer service representative

To test it, I called Capital One customer service on July 14, 2022 and was put on hold for three minutes. The customer service representative seemed knowledgeable, courteous, and answered all of my questions. Overall it was a good experience.

How the Capital One App Compares to the Competition

When it comes to banking apps, there are a few big players that everyone tends to compare. Capital One is one such bank, and its app has a lot to offer users. Here’s how it compares to Chase, Bank of America, and Chime.

Although Capital One ranks higher in the App Store and Google Play, Chase has the upper hand with its mobile app. It offers all the basic functionality you’d expect from a banking app, plus a few extra bells and whistles. For example, you can manage your investments in the app, create custom budgets, and get daily insights to help you avoid overspending.

Capital One has a slight advantage over applying BOA. Not only does it rank higher in app stores, but it also has a few extra features like the ability to request virtual card numbers.

Chime trumps Capital One in this comparison. Chime is a newer player in banking – and its app is quite impressive.

Like Capital One, Chime offers all the basics like checking balance and paying bills. But it also has unique features, such as automatic savings deposits, free cash advances when you’re overdrawn, and the ability to round your purchases to the nearest dollar and save the difference.

Capital One App Review: Verdict

No in-app chat, the Capital One app is one of the best out there. It has a sleek user interface and all the tools you need to manage your money on the go. And the virtual cards feature means you can shop online without jeopardizing your physical card number.

The Capital One app is one of the top five traditional banking apps on the market – with top reviews from Google Play and the App Store to prove it. Our only issue is that it doesn’t have a built-in budget where you can completely manage your income, expense, and savings goals. So, if you are looking for an all-in-one money management app, you might be dissatisfied.

That aside, it’s a no-brainer for Capital One users who want to manage all of their accounts in one place. And additional tools like Credit Wise and Eno are just the icing on the cake.