Capital One
Capital One Financial Corporation (NYSE: COF) is a US-based financial holding company serving consumers, small businesses, and middle-market commercial clients through credit cards, retail and commercial banking, auto lending, and an emerging enterprise B2B software division.
- Company typePublic
- Founded1994
- HeadquartersMclean, United States
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What Capital One does
Capital One Financial Corporation is a McLean, Virginia-headquartered, publicly traded bank holding company (NYSE: COF; founded 1994) operating consumer banking, credit card, auto lending, commercial banking, and an emerging enterprise B2B software business. The firm serves individual consumers, small businesses, middle-market commercial clients (with $20M+ revenue), and enterprise software buyers through products spanning the Venture/Quicksilver/Savor/Spark credit-card families plus co-branded cards with T-Mobile, Kohl's, REI, Williams Sonoma, BJ's, Cabela's, and others; 360 Checking, 360 Performance Savings, and 360 CDs; Auto Navigator financing; an $87 billion commercial lending portfolio; and the Capital One Software division offering Slingshot for Snowflake and Databolt Connect on Databricks. Technology is treated as a core capability: Capital One runs cloud-native infrastructure, maintains a dedicated AI Foundations research group, deploys hundreds of AI/ML use cases (fraud, credit risk, servicing, software development), and has developed proprietary multi-agent architectures and data-security IP that it is now commercializing externally.
Capital One firmographics
Firmographics- Name
- Capital One
- Legal name
- Capital One Financial Corporation
- Website
- https://capitalone.com
- Company type
- Public
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- Capital One Financial Corporation (NYSE: COF) is a US-based financial holding company serving consumers, small businesses, and middle-market commercial clients through credit cards, retail and commercial banking, auto lending, and an emerging enterprise B2B software division.
- Ownership category
- akta.pro rank
Capital One industry classification
Industry- Product category
- Consumer and Commercial Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221), Sales Financing (52222)
- SIC
- National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)
- akta.pro secondary industry
- Working Capital Solutions (dynamic discounting, supply-chain payables/receivables) (FSABAIAJ)
Keywords
Where Capital One is headquartered
LocationHeadquarters
- HQ city
- Mclean
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Capital One business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Net Interest Income: Primary revenue stream derived from interest earned on credit card loans, auto loans, commercial lending ($87B portfolio), and other lending products, less interest paid on deposits and borrowings. Drives the majority of consumer banking and credit card revenue.
- Credit Card Interchange and Fees: Revenue from interchange fees on credit card transactions, annual fees on premium cards (Venture at $95, Venture X at $395), late fees, and other card-related fees across consumer and business credit card portfolios.
- Service Charges and Banking Fees: Revenue from banking services including deposit account fees, treasury management services for commercial clients, and merchant services for business clients. Capital One's 360 Checking and 360 Performance Savings accounts offer no monthly fees.
- Capital Markets and Investment Banking Fees: Revenue from public finance, derivatives, foreign exchange, and loan syndication services provided through Commercial Banking to middle-market clients ($20M+ revenue).
- Capital One Software (B2B Enterprise): Revenue from enterprise B2B software products including Slingshot (Snowflake data optimization) and Databolt Connect (Databricks Marketplace data collaboration), commercializing internal data-security and infrastructure technology for third-party enterprises.
- Dividend and Investment Income: Revenue from investment portfolio income and dividend distributions to common shareholders ($0.80 quarterly dividend per share, $3.20 annualized payout) and seven series of preferred stock.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Venture Rewards: $95 annual fee, 2X miles on every purchase, 75,000 bonus miles after $4,000 spend in 3 months |
| Subscription | Annual | Venture X Rewards: $395 annual fee with premium travel benefits and lounge access |
| Subscription | Annual | Quicksilver Rewards: $0 annual fee with 1.5% unlimited cash back |
| Subscription | Annual | Savor Rewards: $0 annual fee with limited-time $250 cash bonus offer |
| Subscription | Annual | SavorOne / QuicksilverOne Rewards: $39 annual fee with credit-building focus |
| Subscription | Annual | Capital One Platinum / Platinum Secured: $0 annual fee for credit-building |
| Other | Pay-as-you-go | 360 Checking: No monthly fees, no minimums, no overdraft fees |
| Other | Pay-as-you-go | 360 Performance Savings: Variable APY with no fees |
| Other | Multi-year contract | 360 CDs: Fixed-rate with no monthly fees |
| Other | Pay-as-you-go | Business Savings: Promotional 3.50% APY available |
| Subscription | Annual | Venture Business Card: $95 annual fee with up to 150,000 bonus miles |
Go-to-market motion5 records
Distribution channels8 records
Marketing channels15 records
Capital One product offering
Product offeringCore offering
Capital One is a technology-based financial services company that provides consumer and commercial banking products, including credit cards, deposit accounts (checking, savings, CDs), auto loans, commercial lending, and treasury management. Following its Discover and Brex acquisitions, it also operates an owned payments network and offers integrated travel booking, digital concierge, and AI-native business spend management.
Differentiator
Problem solved
Functional benefit
Brands
- Capital One Software: B2B technology division commercializing Capital One's internal data, AI, and security tools (Slingshot, Databolt Connect) for enterprise customers.
- Capital One Travel
- Capital One Shopping
- Capital One Cafés
- Eno
- CreditWise
- Venture (Venture Rewards / Venture X / VentureOne)
- Quicksilver
- Savor
- Spark
- Velocity Black
- TripleTree
Products and services
- Capital One Credit Cards
- 360 Checking
- 360 Performance Savings
- 360 CDs
- Co-Branded Credit Cards
- Small Business Credit Cards and Banking
- Auto Financing (Auto Navigator)
- Commercial Banking Services
- Capital One Travel
- Slingshot (Capital One Software)
- Databolt Connect (Capital One Software)
- Brex Business Spend Management
- CreditWise
- Discover Network (Payments Network)
Quantifiable outcome
- 24% US credit card revenue share surpassing Visa and Mastercard standalone
- +5 more outcomes
Companies that use Capital One
Customer profileNamed customers15 records
Segments6 records
Ideal customer profiles4 records
Capital One technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability12 records
Feature10 records
Capital One partnerships and signals
Strategic signalPartnerships
24 partnerships are on record, tiered flagship, core, minor and moderate.
- BrexflagshipCapital One completed a $5 billion acquisition of fintech Brex on April 7, 2026, aiming to strengthen its business banking and AI capabilities. Brex's AI products, including agentic AI, support business payments and automate back-office tasks. Pedro Franceschi remains as CEO. Transaction was completed as a stock and cash transaction valued at $5.15 billion.
- Discover Financial ServicesflagshipCapital One completed $35.3 billion all-stock acquisition of Discover Financial Services in May 2025, giving Capital One access to Discover's $13 billion in deposits, EU banking license, and client roster including TikTok, Robinhood, and Intel. Capital One is now the largest US credit card issuer by balances, with 24% credit card revenue share surpassing Visa and Mastercard standalone.
- Velocity Black (Velocity Mobile Limited)coreCapital One acquired Velocity Mobile Limited, a London-based digital concierge company, on June 1, 2023. Velocity Black had raised $28 million in venture capital since its founding in 2014 and offers travel, entertainment, shopping, and dining experiences to consumers globally.
- TripleTreecoreCapital One Financial acquired TripleTree, a health care investment bank, in October 2021 to expand its presence in the healthcare sector amid a merger boom. The deal provides TripleTree's clients with access to Capital One's services.
- Lola.comminorCapital One acquired Lola.com, a travel tech startup founded by Paul English, in October 2021. Lola.com had raised funding and faced growth challenges due to the pandemic.
- SnowflakecoreCapital One and Snowflake executives discussed AI-driven data governance at Snowflake Summit 2026, leveraging sharing capabilities for granular data visibility and access control. Capital One's Slingshot product targets Snowflake environments with AI-powered optimization.
- DatabrickscoreCapital One Software launched Databolt Connect on the Databricks Marketplace, enabling secure multi-party data collaboration within Databricks Clean Rooms. The launch was announced at the Databricks Data + AI Summit in San Francisco. Capital One Software is leveraging Databricks as a marketplace distribution channel.
- Apple Pay, Google Pay, PayPalcoreCapital One supports digital wallets including Apple Pay, Google Pay, and PayPal for in-store and online payments, allowing cardholders to pay even without physical card.
- Early Warning Services (Zelle)coreCapital One integrates Zelle for free peer-to-peer money transfers directly from the Capital One Mobile app. Zelle and related marks are wholly owned by Early Warning Services, LLC and used under license.
- PazemoderateCapital One participates in Paze, an online checkout solution offered by Capital One and other participating banks and credit unions that eliminates the need to enter card numbers at checkout.
- T-MobilecoreCapital One issues the T-Mobile Visa co-branded credit card exclusively for active T-Mobile consumer postpaid wireless customers. Card offers 2% in rewards on every purchase and 5% in rewards on T-Mobile purchases, with $5 off per line per month when used for T-Mobile AutoPay.
- Kohl'scoreCapital One issues the Kohl's Rewards Visa co-branded credit card. Cardholders earn 7.5% back in Kohl's rewards at Kohl's stores or Kohls.com, with 40% off first purchase offer within 30 days of account opening.
- REI Co-opmoderateCapital One issues the REI Co-op Mastercard offering 5% in rewards on REI Co-op purchases and 1.5% on all other purchases. Card available to REI Co-op members.
- Pottery BarnmoderateCapital One issues the Pottery Barn Key Rewards Visa co-branded credit card offering up to 5% back in rewards with intro 10% back on in-store purchases.
- Williams SonomamoderateCapital One issues the Williams Sonoma Key Rewards Visa co-branded credit card through the Gold Key Rewards program. Customers cannot be approved for another Williams-Sonoma, Inc. Visa if they already hold one of these cards.
- West ElmmoderateCapital One issues the West Elm Key Rewards Visa co-branded credit card offering 10% back in rewards for first 30 days at collection of eight brands, 5% thereafter.
- Cabela's / Bass Pro ShopsmoderateCapital One issues the Cabela's CLUB Card and Bass Pro Shops CLUB Card co-branded credit cards. Cardholders earn 2% back on Bass Pro Shops and Cabela's purchases with unlimited CLUB Points.
- BJ's Wholesale ClubmoderateCapital One issues the BJ's One Mastercard and BJ's One+ Mastercard co-branded credit cards offering 3-5% back on BJ's purchases and 10-15 cents off per gallon at BJ's Gas.
- Aspen Institute Financial Security ProgrammoderateCapital One joined the Leadership Group on Scam Prevention launched by the Aspen Institute Financial Security Program on June 23, 2026, alongside JPMorganChase, Amazon, Google, Microsoft, and Walmart, addressing $200 billion annual losses to scams.
- BravenmoderateCapital One partnered with Braven (national nonprofit) at the University of North Texas to sponsor real-world capstone projects for first-generation and low-income students in career preparation course. Nearly 80% of Braven's 2025 graduates are employed or enrolled in graduate school within six months.
- iHeartMedia (iHeartRadio Music Festival)moderateCapital One is a sponsor of iHeartMedia's iHeartRadio Music Festival scheduled for September 18-19 at T-Mobile Arena in Las Vegas, with Capital One cardholders receiving ticket pre-sales starting in June. Festival broadcast across 150+ markets and streamed on Disney+ and Hulu.
- St. Jude Children's Research Hospital (iHeartCountry Festival)moderateCapital One co-sponsored the 2026 iHeartCountry Festival at Moody Center in Austin, Texas on May 2, 2026, alongside St. Jude Children's Research Hospital. Festival featured artists Kane Brown, Luke Bryan, Parker McCollum, Riley Green, Carly Pearce, and Shaboozey.
- Amazon Web Services (AWS)coreCapital One and AWS hosted a joint session at FinOps X 2026 conference on AI workload cost optimization. Capital One leverages AWS cloud infrastructure as part of its technology stack supporting cloud-native operations.
- Anthropic, Meta, MistralcoreCapital One's AI Foundations group develops and evaluates large language models including those from Anthropic, Meta (Llama), and Mistral. Capital One researchers use these models in research on LLM safety including the Adaptive Instruction Composition framework for red teaming Mistral-7B, Llama-3-70B-Instruct, and Llama-3.3-70B-Instruct.
Scale indicators13 records
Recent moves6 records
Expansion highlights6 records
Capital One competitors and assessment
Company assessmentEmerging players
- SoFi Technologies: SoFi is a digital consumer bank offering credit cards, student and personal loans, banking, and investing — a fast-growing emerging player competing with Capital One in fee-free high-yield savings, student cards, and personal lending, though it lacks the scale, deposit franchise, and co-brand credit card portfolio of Capital One.
Direct peers
- OneMain Holdings: OneMain is the largest US installment lender to non-prime consumers, overlapping with Capital One's SavorOne, QuicksilverOne, and Platinum credit-building cards in serving the near-prime and rebuilding-credit segment of the consumer credit market.
- Ally Financial: Ally is a digital-first US bank with a major auto finance business, online savings, and a growing credit card portfolio — directly comparable to Capital One's Auto Navigator franchise, 360 Performance Savings high-yield deposits, and Savor/Quicksilver cards, with similar fee-free digital banking positioning.
- Synchrony Financial: Synchrony is a leading private-label and co-brand credit card issuer serving major retail partners — directly comparable to Capital One's co-brand card franchise (T-Mobile Visa, Kohl's, REI, BJ's, Williams Sonoma, Cabela's) and its digital banking platform for credit-card-heavy customers.
- American Express: American Express is a direct competitor in the consumer and small business credit card market, with comparable premium travel cards (Amex Platinum/Gold), co-brand programs, and a closed-loop payments network — directly overlapping with Capital One's Venture, Quicksilver, and Savor families and the newly-acquired Discover network.
Broad incumbents
- Citigroup: Citigroup operates one of the largest US credit card portfolios (Citi Double Cash, Citi Strata Premier), a global consumer bank, and commercial banking — directly overlapping with Capital One's core card and middle-market lending businesses, while also operating a large institutional bank and global wealth arm.
- US Bancorp: US Bancorp is a major US commercial and consumer bank with an Elan Financial Services private-label credit card business — directly comparable to Capital One's commercial banking middle-market franchise and the co-brand/private-label card model.
- Bank of America: Bank of America is a top-3 US consumer bank with a large credit card franchise (customized cash rewards, travel rewards), Preferred Rewards affluent tier, and Merrill wealth platform — closely comparable to Capital One's consumer banking, cards, and affluent (Venture X) segments, though it is much larger and more diversified.
- JPMorgan Chase: JPMorgan Chase is the largest US bank with overlapping consumer credit cards (Sapphire, Freedom), retail banking, auto lending, commercial banking, and a top-rated mobile app. It represents the dominant incumbent Capital One competes with across multiple business lines, though JPMorgan is much larger and not credit-card focused as a percentage of revenue.
Others
- Discover Financial Services: Discover was Capital One's largest acquisition ($35.3B, closed May 2025), bringing the Discover and Pulse payments networks. It is now a wholly-owned subsidiary but historically was a direct peer in cash-back credit cards, student lending, and private-label cards — included for historical comparison context.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
Capital One social profiles
Digital presenceCapital One compliance and trust
Trust signalCompliance3 records
Capital One financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital One leadership team
Management profileNumber of profiles
Profiles16 records
Capital One subsidiaries and ownership
Company hierarchySubsidiaries8 records
Capital One funding detail
Funding detailFunding overview
Funding rounds3 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital One M&A and investment
M&A and investmentM&A31 records
Investments44 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capital One
What does Capital One do?
Capital One is a technology-based financial services company that provides consumer and commercial banking products, including credit cards, deposit accounts (checking, savings, CDs), auto loans, commercial lending, and treasury management. Following its Discover and Brex acquisitions, it also operates an owned payments network and offers integrated travel booking, digital concierge, and AI-native business spend management.
Is Capital One a public or private company?
Capital One is a public company. It is classified as public and is currently operating.
When was Capital One founded?
Capital One was founded in 1994. It employs 5,001 to 10,000 people.
Where is Capital One based?
Capital One is headquartered in Mclean, United States, in the North America region.
How does Capital One make money?
Six revenue lines are on record. Net Interest Income is the primary driver. The others are credit Card Interchange and Fees, service Charges and Banking Fees, capital Markets and Investment Banking Fees, capital One Software (B2B Enterprise) and dividend and Investment Income.
Who are Capital One's main competitors?
SoFi Technologies is listed as an emerging player. Direct peers are OneMain Holdings, Ally Financial, Synchrony Financial and American Express. Broad incumbents are Citigroup, US Bancorp, Bank of America and JPMorgan Chase. Discover Financial Services is listed as an others.
Does Capital One have an API?
No public API is recorded for Capital One.
What industry is Capital One in?
Capital One's product category is Consumer and Commercial Banking. Its primary akta.pro industry code is FSABABAF, SME Trade Finance & Working Capital (LCs, Guarantees, Receivables), with a secondary code of FSABAIAJ, Working Capital Solutions (dynamic discounting, supply-chain payables/receivables). Its NAICS code is 522110 and its SIC code is 6021.