Training Example: Capital One – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H1] Explore Capital One’s Banking and Financial Services
SEE IF YOU'RE PRE-APPROVED
[H2] Take charge of your credit
Find the right card for you, anytime.Get started
[H2] CHOOSE A TOPIC
Meet Capital OneFinancial wellnessBuilt-in benefits
[H3] Explore card offers
See if you’re eligible for credit card offers with our pre-approval tool.See if you’re pre-approved
[H3] Bank with confidence
Enjoy no fees or minimums for checking and savings accounts.Explore banking
[H3] Find a car you love
Shop cars and pre-qualify for financing with Auto Navigator.Start shopping
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[H2] Save with Paze®
Get 30% off at 1-800-Flowers.com when you check out with Paze and use code CAPONEXPAZE. Offer ends 6/30/2026. Terms apply.  Shop 1-800-Flowers
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FIND THE RIGHT CARD
[H2] More built-in benefits
Narrow your search based on what you’re looking for—like rewards, low intro APR or credit growing cards. Compare credit cards
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SIMPLIFY YOUR BUSINESS FINANCES
[H2] Only the best for your business
Earn unlimited rewards—travel or cash—with every card. Explore banking options that can help move your business forward. Explore business solutions
[H2] DIGITAL TOOLS BUILT FOR EASE
[H3] Anytime account access
Monitor your accounts on the go with our top-rated Capital One Mobile app.
[H3] Redeem your rewards
Explore and redeem your Capital One credit card rewards.
[H3] Monitor your credit
Quickly and easily check your credit score with no impact and for free with CreditWise.
[H3] Pay & move money
Make payments, transfer money and deposit checks with ease. Anytime account access Monitor your accounts on the go with our top-rated Capital One Mobile app. Redeem your rewards Explore and redeem your Capital One credit card rewards. Monitor your credit Quickly and easily check your credit score with no impact and for free with CreditWise. Pay & move money Make payments, transfer money and deposit checks with ease.Explore more digital toolsWe're more than a bank
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Capital One ShoppingAutomatically apply free coupons and save with price drop notifications.
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Capital One CafésEnjoy free Wi-Fi & cozy spaces. Cardholders get 50% off handcrafted sips.Capital One TravelEarn rewards when you book a flight, hotel or car with an eligible card.
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[H3] Check your eligibility
Apply with confidence with no impact to your credit score.See if I'm pre-approved
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[H3] Grow your money
Explore checking, savings and CD accounts with no fees or minimums.Compare bank accounts
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[H3] Get business done
Choose your rewards—travel or cash—and earn on every business expense.Explore business cards
[H2] Let us help you reach your goals
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Explore savings options for the next big thingView savings and growth accounts 1 / 6
[H2] Tools for your long-term success
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Creditwise from capital one
[H3] What’s your credit score?
Reveal insights that help you see beyond your credit score. Get CreditWise for free
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Money & Life Program
[H3] Connect your financial behaviors to your goals
Try out self-guided exercises, one-on-one mentoring, and on-demand workshops, free whether you're a customer or not. Explore the Money & Life Program Your Financial Tips
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Learn & GrowCheck out financial resources and learn about what Capital One can do for you.
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Auto Learning CenterExplore car reviews, articles, tools and resources to help you find the right car.
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Business ResourcesFind insights to help move your business forward.
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[H3] Capital One Shopping
Automatically apply free coupons and save with price drop notifications.Explore shopping
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[H3] Capital One Cafés
Enjoy free Wi-Fi & cozy spaces. Cardholders get 50% off handcrafted sips.Visit a Café
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[H3] Capital One Travel
Earn rewards when you book a flight, hotel or car with eligible cards.Plan a trip
[H2] REWARDING THE WAY YOU SPEND
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Travel rewards cards
[H3] Unlimited miles you can actually use
From hotels and car rentals to flights and more, get rewarded for the way you travel with unlimited miles. Explore travel rewards cards Business Benefits
[H3] Access best-in-class rewards
Earn unlimited cash back or travel miles for your business with no category limits or restrictions on all your purchases. See business card benefits Meet Your MatchFind the right cardNarrow your search for the card with benefits you care about.Bank without the feesCompare your options for fee-free checking and savings accounts.Simplify business financesGet the products and services you need to do business all in one place.
[H2] You are now leaving the Capital One website
You're leaving the Capital one website and heading to an external site. It may have different privacy and security policies, so take a moment to check them out.ProceedCancel

[H1] Digital tools built for ease
[H2] Explore digital tools for easy money management, online shopping & more.
[H2] DIGITAL TOOLS FOR YOUR DIGITAL LIFE
[H3] Save time
Get more time back with features you can use on the go.
[H3] Stay protected
Get important alerts and shop online more securely with virtual cards.
[H3] Get insights
Stay in the know—monitor your accounts, credit and more.BANKING AND BEYONDMobile appEasily manage your accounts on the go with our top-rated app.Zelle®Send and receive money right from the Capital One Mobile app.Virtual cardsHelp protect your actual card number when you shop online.Digital walletsAdd your card to a digital wallet for faster online and in-person payments.Capital One ShoppingSave money and time online with free automatic coupons and more.Auto NavigatorSearch cars and pre-qualify for financing. That’s car buying made easy.CreditWiseStay on top of your credit health for free, with no impact to your score.EnoEnjoy 24/7 assistance with Eno, your Capital One assistant.
[H2] SHOP WITH EASE
Capital One Shopping Digital wallets
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[H2] Save automatically at checkout
This free browser extension compares prices, finds available coupons and applies them automatically at checkout. Explore Capital One Shopping
[H2] HELP PROTECT YOUR ACCOUNTS
Virtual cards Card lock Proactive alerts
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[H2] Keep your actual card number private
With virtual cards, you can add a layer of security to your online purchases and shop even if you don't have your physical card. Explore virtual cards
[H2] MANAGE YOUR MONEY
CreditWise Zelle® Ask Eno
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[H2] Stay on top of your credit health
Check your credit score with no impact, for free and on the go with CreditWise, so you can plan for a better tomorrow. Explore CreditWise
[H2] CAPITAL ONE MOBILE APP
[H3] Add Cash in Store
Add cash to an eligible checking or savings account at any participating store with a barcode in the app.
[H3] Pay bills online
Easily set up autopay or make one-time payments for rent, utilities and more.
[H3] Redeem rewards
View your balance, explore redemption options and redeem rewards—for cash, gift cards, flights and more.
[H3] Deposit checks
Choose your account and snap a photo of your check to easily deposit money without visiting a physical location. Add Cash in Store Add cash to an eligible checking or savings account at any participating store with a barcode in the app. Pay bills online Easily set up autopay or make one-time payments for rent, utilities and more. Redeem rewards View your balance, explore redemption options and redeem rewards—for cash, gift cards, flights and more. Deposit checks Choose your account and snap a photo of your check to easily deposit money without visiting a physical location.Text “Digital” to 80101 to download the appMessaging & data rates may apply.FEATURE SPOTLIGHT
[H2] Easily manage your subscriptions, all in one place
Stay on top of recurring charges with the subscription manager tool—view, block or cancel unwanted charges right from your Capital One app. Learn more
[H2] Digital Tools FAQs
What are digital financial tools?Digital financial tools are apps or features that bring added convenience and security to everyday money management tasks. They can encompass everything from mobile banking apps to digital payment services like PazeSM and Zelle® to virtual assistants that can help answer questions about your account.
Digital financial tools offer you more flexibility in how you manage your money since they can help you automate tasks like paying bills and transferring money between accounts. And, as an added bonus, most digital money management tasks can be completed outside regular business hours and without going to a physical bank branch, which can help you save time as well.What are some examples of digital financial tools?Capital One customers have access to a wide range of digital financial tools. These include:
Capital One Mobile app: Manage your accounts on the go, pay bills with a tap or set up automatic recurring payments.
Virtual cards: Keep your actual card number private when shopping online with virtual card numbers that are linked to your credit card account. Virtual cards can also help you check out online faster.
Digital wallets: Pay in stores and online even when you don’t have your physical card or cash on hand by linking your eligible Capital One cards to a digital wallet like Google Pay™, Apple Pay® or PayPal.
Paze: Paze is a convenient and easy way to check out online that’s offered by Capital One and other participating banks and credit unions. With Paze, you don’t need to enter your card numbers at checkout, and there’s no new apps to download.
CreditWise from Capital One: Keep an eye on your credit score with alerts to your credit report and free dark web monitoring.
Zelle®: Quickly send money to friends and family for free right from your bank account.
Auto Navigator: See if you prequalify for an auto loan without hurting your credit score.
Eno: Get quick answers to questions like “What’s my account balance?” or “When’s my next payment due date?” from Capital One’s virtual assistant.
Do I have to be a Capital One customer to use digital tools?Both CreditWise from Capital One and Capital One Shopping are free tools available for everyone, even if you’re not a Capital One customer. Some digital tools, like the Capital One Mobile app and Eno, can only be accessed if you have a Capital One account.How do I get started with digital financial tools?If you’re ready to get started with Capital One’s digital tools, the first step is to set up your online account. Once your account is activated, you can download the Capital One Mobile app and log in using your online credentials to get access to a variety of digital tools.Are digital financial tools safe?While all online transactions carry some level of risk, digital financial tools can offer enhanced safety, especially when combined with common-sense behaviors like using strong passwords and secure internet connections. Additionally, many digital tools also utilize advanced security features to help safeguard your personal information. Here’s a look at a few of them:
Multi-factor authentication: This additional security step helps verify your identity when signing into digital tools.
Biometric authentication: This optional feature uses unique, biometric data such as facial recognition or fingerprints to allow users to login to their account.
Tokenization: A form of encryption used in some digital tools, including virtual cards and digital wallets, tokenization replaces your personal information with a unique token to make it harder for scammers to steal your credit card information.
Learn more about how Capital One helps keep you safe when managing your money online and steps you can take to protect your personal information.Show moreMORE ON DIGITAL TOOLSAdd the iOS account balance widgetMonitor your account balance from your iOS home screen.Tap and pay with your phoneMake purchases with a tap of your phone using digital wallets.Shop online with virtual cardsAdd a layer of security to purchases, wherever you shop online.What is Zelle® and how does it work?Zelle® is a free and easy way to send and receive money. See how it works.
[H2] You are now leaving the Capital One website
You're leaving the Capital one website and heading to an external site. It may have different privacy and security policies, so take a moment to check them out.ProceedCancel

[H1] Check your eligibility with 100% certainty
Know if you’ll be approved before you accept—in as little as 90 seconds and with no credit score impact. Check My Eligibility How checking eligibility works
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Featured cards
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Compare all cards
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Credit building
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Travel
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Cash back
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Dining & entertainment
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Student
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Business
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Retail & partner
[H2] FEATURED CARDS
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Fair Credit More details Platinum
$0 annual fee
Build credit with responsible use
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Excellent Credit More details Venture Rewards
$95 annual fee
2X miles on every purchase
Earn 75,000 bonus miles
1
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Excellent Credit More details Quicksilver Rewards
$0 annual fee
1.5% cash back on every purchase
Earn a $200 cash bonus
2
Low intro APR for 15 months
ADDITIONAL CARDS All filters 26 cards
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Fair Credit More details Platinum
$0 annual fee
Build credit with responsible use
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Excellent Credit More details Venture X Rewards
$395 annual fee
2X miles on every purchase, plus access to 1,300+ lounges worldwide
3
Earn 75,000 bonus miles
4
10,000 anniversary miles
5
& $300 annual Capital One Travel credit
6
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Excellent Credit More details Venture Rewards
$95 annual fee
2X miles on every purchase
Earn 75,000 bonus miles
1
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Excellent Credit More details VentureOne Rewards
$0 annual fee
1.25X miles on every purchase
Earn 20,000 bonus miles
7
Low intro APR for 15 months
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Good Credit More details VentureOne Rewards for Good Credit
$0 annual fee
1.25X miles on every purchase
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Excellent Credit More details Quicksilver Rewards
$0 annual fee
1.5% cash back on every purchase
Earn a $200 cash bonus
2
Low intro APR for 15 months
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Good Credit More details Quicksilver Rewards for Good Credit
$0 annual fee
1.5% cash back on every purchase
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Excellent Credit More details Savor Rewards
$0 annual fee
3% cash back at grocery stores, on dining & entertainment
8
and 1% on other purchases
Earn a $200 cash bonus
9
Low intro APR for 12 months
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Good Credit More details Savor Rewards for Good Credit
$0 annual fee
3% cash back at grocery stores, on dining & entertainment
8
and 1% on other purchases
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Fair Credit More details SavorOne Rewards
$39 annual fee
3% cash back at grocery stores, on dining & entertainment
8
and 1% on other purchases
Build credit with responsible use
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Fair Credit More details QuicksilverOne Rewards
$39 annual fee
1.5% cash back on every purchase
Build credit with responsible use
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Fair Credit More details Savor Rewards for Students
$0 annual fee
3% cash back at grocery stores, on dining & entertainment
8
and 1% on other purchases
Earn a $50 cash bonus
10
Build credit with responsible use
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Fair Credit More details Quicksilver Rewards for Students
$0 annual fee
1.5% cash back on every purchase
Earn a $50 cash bonus
11
Build credit with responsible use
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Fair Credit More details Quicksilver Secured Rewards
$0 annual fee
1.5% cash back on every purchase
Build credit with responsible use
$200 minimum refundable deposit
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Rebuilding Credit More details Platinum Secured
$0 annual fee
Build credit with responsible use
$49, $99, or $200 refundable deposit
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Good-Excellent Credit More details T-Mobile Visa®
$0 annual fee
2% in rewards on every purchase, every day
12
5% in rewards on any phone, device, or accessory at T-Mobile
13
Redeem Rewards towards a new phone, device, or your T-Mobile bill
14
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Good-Excellent Credit More details Kohl's Rewards® Visa
$0 annual fee
7.5% back in Kohl's rewards
15
Take 40% off your first purchase in store or at Kohls.com within 30 days of account opening.
15
Exclusive cardholder discounts
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Good-Excellent Credit More details REI Co-op® Mastercard®
$0 annual fee
Earn 5% in rewards on REI Co-op purchases and 1.5% on all other purchases.
16
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Good-Excellent Credit More details Pottery Barn Key Rewards® Visa
$0 annual fee
Up to 5% back in rewards
Intro 10% back on in-store purchases
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Good-Excellent Credit More details Williams Sonoma Key Rewards® Visa
$0 annual fee
Up to 5% back in rewards
Intro 10% back on in-store purchases
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Good-Excellent Credit More details West Elm Key Rewards® Visa
$0 annual fee
Up to 5% back in rewards
Intro 10% back on in-store purchases
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Good-Excellent Credit More details Key Rewards® Visa
$0 annual fee
Up to 5% back in rewards
Intro 10% back on in-store purchases
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Good-Excellent Credit More details Cabela’s CLUB Card
$0 annual fee
Earn 2% back on Bass Pro Shops & Cabela’s purchases
Earn up to $60 in CLUB Points
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Unlimited points for FREE GEAR
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Good-Excellent Credit More details Bass Pro Shops CLUB Card
$0 annual fee
Earn 2% back on Bass Pro Shops & Cabela’s purchases
Earn up to $60 in CLUB Points
17
Unlimited points for FREE GEAR
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Good-Excellent Credit More details BJ’s One™ Mastercard®
$0 annual fee
3% back in rewards on most purchases at BJ’s
18
1.5% back in rewards on purchases everywhere else Mastercard® is accepted
18
10¢ off/gallon at BJ’s Gas®
18
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Good-Excellent Credit More details BJ’s One+™ Mastercard®
$0 annual fee
5% back in rewards on most purchases at BJ’s
18
2% back in rewards on purchases everywhere else Mastercard® is accepted
18
15¢ off/gallon at BJ’s Gas®
18
[H5] FREQUENTLY ASKED QUESTIONS
How many types of credit cards does Capital One offer?Capital One offers several types of credit cards, including cash back cards, travel cards, business cards, and cards to help you build credit with responsible use, like student cards and secured cards.How does a Capital One credit card work?A Capital One credit card gives you a line of credit so you can make purchases. You could earn rewards on those purchases with a Capital One cash back or travel card.
Your rewards are yours for the life of the account—they will not expire. But if your account is closed, you may lose any rewards you have not redeemed. And you can redeem rewards for a variety of options depending on the card you choose, like statement credits, gift cards, travel expense reimbursement and more.
Each month, you’ll receive a statement detailing transactions made with your credit card. You can avoid interest  if you pay your balance in full by each due date.Which Capital One credit card is best?To get approved for a Capital One credit card, you first need to apply and meet certain eligibility requirements. These requirements may vary by card. But you can see if you’re pre-approved before you apply with no impact to your credit scores.How can I apply for a Capital One credit card?You’ll need to submit a Capital One credit card application. If approved, you may need to verify information you provided before we can open your account. Keep in mind that applying for a credit card may affect your credit score.How do I know if I’ll be approved?While a final decision is made after you submit an application, you can get a clear idea of your eligibility by checking for pre-approval. We look at factors like your credit history, income and monthly debt obligations to determine which cards you may qualify for. This allows you to see your options with no impact to your credit score before accepting an offer.
[H2] Respond to a mail offer
It's easy to apply. Just enter your Reservation Number and Access Code from your letter/E-mail to start your secure application. You could get a response in as little as 60 seconds!Cards you’re offered while checking your eligibility may have different terms, including introductory rates and bonuses, from those available elsewhere on our website.
[H4] Rate and fee information
1Upon approval, eligible Venture primary account holders earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening. You are not eligible for this product if you have received a new cardmember bonus for the Capital One Venture card or the Capital One Venture X card in the past 48 months.2Upon approval, eligible Quicksilver primary account holders earn a $200 cash bonus after spending $500 on purchases within the first 3 months from account opening. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.3Access to lounges includes access to Capital One Lounges and available participating Priority Pass™ lounges worldwide. To access Capital One Lounges, eligible cardholders must present their physical Venture X or Venture X Business card or digital lounge pass, found within the Capital One Mobile app. Access is not guaranteed and is subject to space availability. In order to access Priority Pass lounges, eligible cardholders will need to enroll. To learn more about lounge access policies, please visit the applicable Terms and Conditions for additional details.4Upon approval, eligible Venture X primary account holders earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening. You are not eligible for this product if you have received a new cardmember bonus for the Capital One Venture X card in the past 48 months.5Venture X Rewards: You will earn 10,000 bonus miles after your anniversary each year, starting with your first anniversary. Once you qualify for this bonus, we will apply it to your rewards balance.
Venture X Business: Every year you will receive 10,000 bonus miles (equal to $100 toward travel) after your first anniversary. Once you qualify for this bonus, we will apply it to your rewards balance.6Annually, eligible Venture X primary account holders will receive a $300 Capital One Travel credit (“Credit”) to use toward purchases made through Capital One Travel. Each annual Credit will expire on the next account open date anniversary. The Credit will be available within Capital One Travel and can be applied to purchases at checkout. The Credit may be used in whole for a single purchase or in part over multiple purchases. Rewards will not be earned on the Credit. If the purchase using the Credit is canceled, the Credit will be restored if it is not expired. An expired Credit will not be restored upon cancellation. A Venture X card account must be open and in good standing to receive or use the Credit.7Upon approval, eligible VentureOne primary account holders earn 20,000 bonus miles after spending $500 on purchases within the first 3 months from account opening. You are not eligible for this product if you have received a new cardmember bonus for the Capital One VentureOne card, the Capital One Venture card, or the Capital One Venture X card in the past 48 months.8The 3% grocery earn is limited to purchases made at grocery stores, excluding superstores like Walmart® and Target® 9Upon approval, eligible Savor primary account holders earn a $200 cash bonus after spending $500 on purchases within the first 3 months from account opening. Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.10Upon approval, eligible Savor Student primary account holders earn a $50 cash bonus after spending $100 on purchases within the first 3 months from account opening. Once you qualify for this bonus, we will apply it to your rewards balance within two billing cycles. Existing or previous accountholders may not be eligible for this one-time bonus.11Upon approval, eligible Quicksilver Student primary account holders earn a $50 cash bonus after spending $100 on purchases within the first 3 months from account opening. Once you qualify for this bonus, we will apply it to your rewards balance within two billing cycles. Existing or previous accountholders may not be eligible for this one-time bonus.12T-Mobile Visa Signature® cardholders earn 2% back in T-Mobile Rewards on all other net purchases (purchases minus any credits or returns) using their T-Mobile Visa anywhere else Visa is accepted.13T-Mobile Visa Signature® cardholders earn 5% back in T-Mobile Rewards on net Qualifying Purchases (purchases minus any credits or returns) made online at T-Mobile.com and in the T-Life app, and at T-Mobile stores and Authorized Retailers (https://www.t-mobile.com/stores/locator). Qualifying Purchases include phones, devices, and accessories. Cash advances and balance transfers are not considered purchases and will not earn T-Mobile Rewards. Qualifying Purchases exclude payments for device equipment installment plan (EIP), wireless service, fees, and prepaid wireless service, T-Mobile for Business, and other services. You may not accrue enhanced earning on purchases made using 3rd party digital wallets.
14When redeeming T-Mobile Rewards, your T-Mobile Visa must be used to pay any portion of the transaction not covered by T-Mobile Rewards. Redemptions may not be available when using 3rd party digital wallets. See your Rewards Terms and Conditions for more details.15Kohl’s Rewards® Visa cardholders will earn Kohl’s rewards at the following rates of the transaction subtotal for qualifying purchases made with their Kohl’s Rewards® Visa linked to their Kohl’s Rewards® account:
7.5% at Kohl’s stores or Kohls.com, excluding gift cards;
3% on gasoline purchases made at merchants whose primary line of business is the sale of automotive gasoline that can be purchased inside the service station or at the automated fuel pump;
2% at grocery stores (grocery purchases made at discount stores or superstores, including warehouse clubs (e.g., Costco or Walmart®)

[H2] No fees. No minimums.
And no overdraft fees on bank accounts.
That’s banking made easy.
[H3] FIND A BANK ACCOUNT
I want to start my banking journey
[H2] Checking
[H3] 360 Checking
No monthly fees or balance minimumsNo overdraft fees70,000+ fee-free ATMs
[H2] Savings
[H3] 360 Performance Savings
NaN APY1—a top variable rateNo monthly fees or balance minimumsOnline savings account
[H2] Savings
[H3] 360 CDs
No monthly fees or balance minimumsGuaranteed returns with no market riskFixed interest rate Compare bank accounts
[H3] PROTECT YOUR ACCOUNT
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[H4] Bank securely
How to protect your account and stop fraud before it starts.
Learn more.
[H4] FDIC coverage
Coverage is automatic when you open a deposit account.
Learn more.
[H2] Experience the freedom of flexible banking
Find an option that fits your lifestyle. Whether it’s online, in a local store or at a Capital One Café, there are plenty of ways to bank with us. Explore all the ways to bank with us
[H2] Get started with the Capital One Mobile app
Stay on top of your finances, manage your digital wallet and monitor recent transactions from the palm of your hand. Download the app
[H2] MORE WAYS TO BANK
Visit a Capital One CaféTake care of your everyday banking, get in-person help if you need it and enjoy your favorite handcrafted beverage in a comfortable space for working or taking a break.Explore our CafésWithdraw cash easilyGet cash from 70,000+ fee-free partner ATMs in places you already shop, like convenience stores and select Target®, Walgreens and CVS® locations.Find an ATMAdd cash in storeUse the Capital One Mobile app at any participating store to add cash to your eligible checking or savings account—it’s convenient, free and secure.Learn how to add cashDeposit checks on the goJust snap a quick pic and deposit checks right from the Capital One Mobile app. That means one less trip to the bank and quicker access to your funds.Get started with mobile deposit
[H2] Ready to visit a location?
When you need us, we’ll be there. Visit a Capital One ATM or branch near you, or stop by a Capital One Café to see how we make no-fee banking easy.Find locations near youSTRENGTHEN YOUR FINANCIAL FITNESSExplore the Financial Success HubLearn how to reach savings goals, manage spending and plan for the future.Grow your savingsTry our savings calculator to find out how much you could save in 1 year.Check off goals with the Money & Life ProgramThe Money & Life program provides free exercises, mentorship and workshops.
[H2] You're now leaving Capital One
You're now leaving our website and heading to an external site that may have different privacy and security policies.ContinueStay on Capital One