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Capital One – Why Work For Us?


Capital One Financial Corporation, incorporated in July 21, 1994, is a diversified banking company focused primarily on consumer and commercial lending and deposit origination. Its principal business segments are Local Banking and National Lending. Local Banking includes consumer, small business and commercial deposits, and lending conducted within its branch network. The National Lending segment consists of three sub-segments: the U.S. Card sub-segment, which consists of domestic consumer credit and debit card activities; the Auto Finance sub-segment, which includes automobile and other motor vehicle financing activities, and the Global Financial Services sub-segment consisting of international lending activities, small business lending, installment loans, home loans, healthcare financing and other diversified activities.

Our People, Our Culture, Our Customers

Our People

Our people are our greatest asset. We are committed to developing and growing employees at all levels in order to drive business results. We use our Performance Management and Talent Management practices to allow us to identify future leaders and prepare them for challenging roles. These practices include succession planning, extensive learning and development opportunities, robust feedback processes, and ongoing engagement by managers at all levels. We want to ensure we have the best people in every role.

Our Culture

At the heart of our success is the Capital One® culture. We provide our associates with a dynamic environment combined with two key values: Excellence and Do the Right Thing. We take pride in encouraging our associates to think independently in a collaborative setting and to present creative ideas to senior management. It's this type of innovative thinking that is a major part of our corporate growth as well as the overall success of Capital One.

Our Customers

Our customers expect great value and convenience every time they transact with Capital One on any product, anytime, anywhere. We are committed to delivering a convenient experience that meets our customers’ high expectations, whether they have a credit card or savings account or connect with us through our web site or in a branch.


Capital One is composed of four major areas that make up and support our company.


  • US Card Marketing and Operations
  • International Card
  • Small Business Card


  • Retail Banking
  • Small Business Banking
  • Commercial Banking

Financial Services

  • Home Loans
  • Auto Finance

Staff Functions

  • Brand Marketing
  • Corporate Affairs
  • Legal
  • Audit
  • Security
  • Regulatory Relations
  • Finance
  • Treasury
  • Human Resources
  • Operations
  • Information Technology
  • Digital
  • Corporate Development
  • Corporate Strategy
  • Credit/Risk Management
  • Compliance
  • Corporate Real Estate

Capital One benefits are top-notch. We’re focused on helping associates be well—physically, financially, and emotionally. Our associates have access to exceptional medical, dental, vision, and prescription drug plans—with full coverage for spouses, domestic partners, and dependents. Our benefits program is designed to be:

  • Responsive to our diverse associate population—with flexibility for different personal needs
  • Competitive with other leading employers
  • Consistent across the organization
  • Consumer oriented—where costs equitably reflect utilization of service


How We Got Started

Richard D. Fairbank is founder, Chairman and Chief Executive Officer of Capital One® Financial Corporation.  Capital One, headquartered in McLean, Virginia, offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients. Mr. Fairbank founded Capital One in 1988 based on his belief that the power of information, technology, testing and great people could be combined to bring highly customized financial products directly to consumers. Since then, Capital One has emerged as one of the America's largest consumer franchises with more than 45 million customer accounts and one of the nation's most recognized brands.  As one of the nation’s top 10 largest banks based on deposits, Capital One, N.A. has approximately 1,000 branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia.


Richard D. Fairbank
Founder, Chairman, Chief Executive Officer

Mr. Fairbank has been at the helm of Capital One since 1988. In fact, he helped build the company from the ground up. It all started with an innovative idea.

Richard D. Fairbank
Chairman, Chief Executive Officer

Richard D. Fairbank is founder, chairman and chief executive officer of Capital One Financial Corporation, a broadly diversified financial services company ranked 130th on the Fortune 500.  Mr. Fairbank founded Capital One in 1988 based on his belief that the power of information, technology and testing could be harnessed to bring highly customized financial products directly to consumers. Headquartered in McLean, Virginia, Capital One is a top 10 US bank, offering a broad spectrum of financial products and services to consumers, small businesses, and commercial clients.  Capital One has approximately 1000 branch locations in New York, New Jersey, Louisiana, Texas, Maryland, Virginia, and the District of Columbia. Additionally, Capital One has international businesses in the United Kingdom and Canada.

Capital One has been widely recognized for its entrepreneurial culture, progressive work place, and community engagement. Capital One was named to Fortune Magazine’s list of “Top Companies for Leaders,” ranking second in North America and fifth globally.  In addition, Capital One has been named to: Fortune’s “100 Best Companies to Work For,” Fortune’s “20 Great Employers for New Grads,” BusinessWeek’s “Best Places to Launch a Career,” Working Mother’s “100 Best Companies” and DiversityInc’s “Top 50 Companies for Diversity.”

Under Mr. Fairbank's leadership, Capital One has demonstrated a strong commitment to philanthropy and volunteerism, supporting a number of area programs focused on community redevelopment and youth education, including DC Cares, the DC College Access Program and Junior Achievement. Mr. Fairbank has often been recognized for his community and industry leadership, including being named by Bank Technology and Systems as one of the 10 Top Innovators of the Decade. Mr. Fairbank was honored as a 2008 Washington Business Hall of Fame Laureate and also appointed to the President’s Council on Service and Civic Participation.  He was named “2006 Banker of the Year” by the American Banker.

Mr. Fairbank served on MasterCard International’s Global Board of Directors and, prior to that, as Chairman of MasterCard’s U.S. Region Board.  Mr. Fairbank holds an MBA from the Stanford Graduate School of Business and a bachelor’s degree in economics from Stanford University.

Capital One is one of the 10 largest banks by deposits in the country, and a Fortune 500 company. We’re a diversified bank with a broad array of financial products and services. We lead by innovation. We approach financial services challenges the way an Internet start-up would approach a development challenge.

Headquartered in McLean, Virginia, Capital One® offers a broad array of financial products and services to consumers, small businesses, and commercial clients in the U.S., Canada, and the U.K.

Every choice we make at Capital One® is guided by our values:

  • Excellence—defines the way we perform as individuals, teams, and an organization.
  • Do the Right Thing—describes how we interact with each other and our customers.

Our values serve as the cornerstone of our culture and guide how our associates interact with each other and our customers. Our values set Capital One apart from other companies and serve as a measure of our success.

At Capital One, we don’t hire people for positions—we hire people to build evolving, fulfilling careers.

Flexible Work Solutions

Capital One supports, encourages and advocates Flexible Work Solu­tions when appropriate to specific business and associate needs. Flex­ible Work Solutions enable associates to successfully own, manage and deliver on business and personal commitments.

Associates must discuss eligibility requirements with their manager prior to pursuing a flexible work solution.

Capital One University

Capital One University (COU) is our nationally recognized learning organization, offering more than 600 instructor-led courses, over 100 instructor-led virtual classroom courses and over 1,400 e-learning programs.

All associates eligible upon date of hire.

Career Development Center

The Career Development Center (CDC) can help you define your inter­ests and development goals and take ownership of your career. Associ­ates have access to Career and Skill assessments, one-on-one career counseling, Mentoring, Competency training and more.

All associates eligible upon date of hire.

Mentoring Programs

Mentorships enable associates to build skills and knowledge on the job, while building leadership skills for the mentor and enhancing the asso­ciate’s sense of corporate culture and community. There are a variety of formal and informal mentoring opportunities available at Capital One.

All associates eligible upon date of hire.

Commuter Benefits

Allows eligible associates to set aside a portion of his/her paycheck before taxes are deducted to pay commuting expenses. Associates see savings in the form of reduced tax withholding. Eligible associates pay only the cost of their transit or parking.

FT associates eligible upon date of hire. PT associates with standard hours of at least 20 hours per week are eligible after 6 months of employment.

Capital One Discount Program

Capital One offers an online Associate Discount Program that provides easy access to hundreds of everyday discounts, including travel, shops, restaurants, and more. Discounts are also available to designated family members.

All associates eligible upon date of hire.

Associate Networks

Associate Networks provide support in the form of programs, resources and tools that enable Capital One’s diverse associates to achieve their full potential in an environment that values the differences we bring to the workplace. Capital One invites all associates to participate in the associate networks.

All associates eligible upon date of hire.

Community Service / Volunteer One Program

Capital One offers a variety of associate-based volunteer programs to enhance contributions and create meaningful results in the communities where we live and work. As part of the Volunteer One program, Capital One will donate $1 to an eligible nonprofit of choice (up to an annual limit of $300) for every hour volunteered.

All associates eligible upon date of hire.

Matching Gift Program

Through the Matching Gifts for Schools program, associate donations to accredited schools are matched dollar for dollar up to $2,000 per calen­dar year. All U.S. associates who have made a donation of at least $25 to a qualified school are eligible for the Matching Gift program.

All FT and PT associates are eligible upon date of hire.


Three options through Aetna offer a full range of preventative, emergency/urgent care, inpatient/surgical, mental health and other coverages. Deductible, co-insurance and co-payments apply. Most preventative care is fully covered with no co-pay required.

Full-time (FT) associates eligible at date of hire. Part-time (PT) associates with standard hours of at least 20 hours per week are eligible after 6 months of employment.


Two dental options offer different levels of coverage based on needs and budget. Deductible and co-insurance apply.

FT associates eligible at date of hire. PT associates with standard hours of at least 20 hours per week are eligible after 6 months of employment.


Medically necessary vision care is covered under the Aetna Medical plan. Additional coverage can be purchased under the Davis Vision Plan, which may lower expenses for frequent users of vision-care services and supplies.

FT associates eligible at date of hire. PT associates with standard hours of at least 20 hours per week are eligible after 6 months of employment.

Prescription Drug

Capital One medical plan coverage includes prescription drug benefits through CVS Caremark. The program features both a retail pharmacy program and a mail order program designed to help you save time and money on maintenance medications. Prescription benefits are the same for all Aetna medical options.

FT associates eligible at date of hire. PT associates with standard hours of at least 20 hours per week are eligible after 6 months of employment.

Be Well Programs

Aetna offers a variety of interactive health and wellness programs where you can set and achieve individual health goals, identify your health needs, receive a personalized Health Report and Action Plan, earn incentives, and participate in recommended Healthy Living Programs.

Available to FT and PT associates and their family members enrolled in Capital One’s medical plan through Aetna. There is no cost to use these programs.

Employee Assistance Program

The Capital One Employee Assistance Program (EAP) provides 24/7 support, advice and resources on subjects ranging from coping with change or a personal issue to finding a pet sitter or a moving company. Using EAP services is completely voluntary and confidential, and free of charge.

All FT and PT associates are eligible upon date of hire.

Fitness Centers

Capital One offers discounts to fitness centers around the country. Capital One also offers on-site fitness centers at select locations.

All associates and family members age 18+ are eligible at date of hire; membership fees are managed through payroll deductions and are $15/month for associates and $25/month for each family member.

Vacation - Non-exempt Associates

The Paid Time Off (PTO) program provides non-exempt associates with a bank of time to use at their discretion—for vacation, illness or other time-off needs. One day is considered eight hours. Part-time non-exempt associates have their PTO pro-rated based on their standard hours per week.

FT non-exempt associates are eligible to use PTO after 90 days of employment. Non-exempt PTO: 1-4 years: 20 days; 5-9 years: 25 days; 10+ years: 30 days. Includes vacation, Family Care/Personal Days, and Sick time. In addition to one’s PTO bank, full-time associates also have ten fixed holidays recognized across Capital One. PT non-exempt associates with standard hours of at least 20 hours per week are eligible to use PTO after 6 months of employment.

Vacation - Exempt Associates

Exempt associates earn vacation time month-by-month from their date of hire. Vacation time can be used after satisfying a 90-day waiting period.

FT exempt associates are eligible to use PTO after 90 days of employment. Exempt PTO: 1-4 years: 15 days; 5+ years: 20 days. PT exempt associ­ates with standard hours of at least 20 hours per week are eligible after 6 months of employment.

Vacation/PTO Buy

Although you are not eligible to buy additional vacation or PTO in your year of hire, you may do so during open enrollment each fall for the upcoming calendar year.

Only eligible to buy vacation/PTO during Open Enroll­ment each fall. PT associates with standard hours of at least 20 hours per week are eligible after 6 months of employment, but must enroll at Open Enrollment.


Capital One recognizes most major holidays and posts the annual holiday schedule on The One Place each November.

FT & PT exempt associates and FT non-exempt associates are paid for the 10 fixed holidays established each calendar year. PT non-exempt associates must work on the holiday to be paid. These may vary slightly by Line of Business; please check with your manager for any changes.

Bereavement Leave

All full-time associates may take up to three days of paid leave per year for the loss of a family member, relative or someone you consider to be family.

...and MUCH more!!

Capital One Reviews

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Capital One Founder, Chairman & CEO Richard D. Fairbank
Richard D. Fairbank
1,191 Ratings
  • Featured Review

    Helpful (66)

    Like working at a (technology) startup that has good funding, great benefits, and decent work-life balance

    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - IT Manager in McLean, VA
    Current Employee - IT Manager in McLean, VA
    Positive Outlook
    Approves of CEO

    I have been working at Capital One full-time (More than a year)


    This is an update of a review I previously posted Benefits are great. 401K up to 7.5% company contribution, short/long term disability paid by company, discounted company stock purchase option, vacation days (able to buy more during open enrollment), unlimited sick days, 3 family care days, free financial planning consultations via Fidelity, free use of athletic trainer in company fitness centers twice a week (there is a fee to use the fitness centers, but no additional charge to use the trainers). I find the medical insurance (bronze/silver/gold options through Aetna) to be expensive compared to the HMO I can get through my spouse's employer, but I don't think the Aetna costs at Capital One are out of line with what I have observed at other companies; I'm not a fan of the high deductible though. Capital One does try to brunt the pain of the high deductible by offering free health clinics on site at major locations (no copay - family members can also visit) and no copay to visit CVS minute clinics. Very progressive company - just announced expansion of maternity leave to 12 weeks PAID, 2 weeks paid paternity leave, 6 weeks paid adoption leave/surrogate leave (if your child born via surrogate), $10K contribution toward adoption expenses, fabulous medical benefits for families with autistic children. Company will contribute up to $1000 toward your flexible spending accounts (medical/dependent care). My manager (and senior leadership team in general) have been absolutely fabulous - when my dad died, I was told "take the time you need" - very humane. I had severe culture shock after joining Capital One for a very long time... I have encountered very few "slackers" and am continually impressed at how responsive most associates are to any requests/questions I may have - it's highly unusual for it to take more than 4 hours to get a response. Capital One takes pains to hire very intelligent, data-driven associates. I am very satisfied with my work/life balance, but that balance can be a bit unpredictable at times (mainly because I am in an operational role - stuff happens... and you have to deal with it right then). Capital One has taken great pains to recruit/retain associates hired as interns/new college grads - this program is very well-designed/run. They would be well-advised to pay a reasonably equivalent level of attention to experienced hires (obviously, more seasoned hires don't need as quite as much hand holding). While there is clearly room for improvement in this area, I've observed some progress on this front over the past few months - a *lot* of energy spent on trying to improve the onboarding process for experienced hires within my line of business so that they have everything they need to do their jobs once they finish the 1.5 day long HR onboarding process (which incidentally is *very* well done). Similarly, I've observed some efforts aimed at reducing the red tape that makes it difficult to do your job efficiently and reduce the "environmental" learning curve associated with being a new hire. While you might be a subject matter expert in your area, you can't be effective without also understanding the company environment. I am thoroughly impressed by the company's commitment to doing the right thing by their customers. While I won't go into any detail here, suffice it to say Capital One gives up a LOT of $ by not following the same practices used by many of the other large financial companies. The latitude given to call center associates to satisfy a customer's needs is unprecedented. Capital One University is a fabulous resource for associates ... many different types of training courses (online, instructor lead) are available - many at no cost to the associate's department. Subjects covered are typically either line of business centric or role centric (e.g. project management college, software engineering college, information security college, etc.). The corporate culture is heavily oriented toward recognizing associate contributions. The size of your pay raise and bonus are heavily predicated by your performance review rating (which is in turn based upon your contributions); the higher your performance review rating, the larger your pay raise/bonus. Bonuses can comprise a very significant portion of associate compensation - the higher your paygrade, the more significant the bonus is. Any associate can recognize another associate or team of associates for their contributions. The recognization can range from a simple thank you note to points that can be redeemed by the associate for gift cards from a wide variety of vendors to cash awards. Promotions are a *HUGE* deal at Capital One.. they are generally recognized twice a year. All promotions are publicly announced (typically first within the individual line of business, then company wide). If you are on the receiving end of a promotion, you can count on being flooded with congratulatory IMs, emails, and phone calls from fellow associates once the announcement is public. It can be a bit overwhelming if you aren't expecting it. Promotion recipients are also invited to a luncheon with their managers and members of the senior leadership team. I personally have felt very empowered to "grow my flame" here. Mobility within the organization is excellent - there are many, many roles available within information technology. If you get tired of your current role, there's an excellent chance there will be an opening in a different area of IT that you can apply for.


    The "startup" culture at Capital One can be a double edge sword - if something isn't working, just wait six months (or less) and it will change. If you are a person with a "glass half empty" attitude or someone who greatly values organizational structures/processes etc. remaining static over a long period of time, this is NOT the company for you. There have been big changes in the senior leadership team (most external hires) in my line of business during the time I have been at Capital One, a significant number (1100+) of associates hired (many as part of the drive to insource key functions). While I think the CEO and very senior management have good plans for the company (e.g., identifying key objectives each year, and making solid plans to reach them), objective identification/planning within my own line of business has historically been shaky at best, largely due to understaffing/lack of resources and multiple reorgs. I have noticed some positive movement in this area over the past 2-3 months - I do like what I'm seeing/hearing - but will reserve judgement for another few months. If this changes significantly for the better, I'll up my rating from 4 to 5 stars. Predictably, mentoring of associates is not what it should be in my line of business given the staffing challenges.The company does pair up a "buddy" with new hires who request it. While I had a buddy, I didn't find it useful because the buddy was not in the same location or same role as me, and so was not able to answer many of the questions that I had.IT has been switching over to agile-based methods (not just for software development), while also shifting to a federated model in which IT resources are assigned to a particular line of business rather than a centralized pool of IT resources. While there are some distinct advantages to that approach (e.g., IT resources are intimately familiar with the applications of their line of business and the associated network infrastructure; fewer issues with prioritizing needs across different lines of business), it makes it difficult for the remaining "central" IT organization to keep track of everything that is going on. Time will tell how this gamble pays off. Associates in general don't like the performance management system, but overall I think it provides a decent measure of fairness. Everyone that I've known that has received a promotion truly deserved it.. 360 feedback is strongly emphasized as part of the performance management process. Forced "cross-calibration" sessions amongst managers of all associates at the same level are performed biannually as part of the performance management process to ensure everyone uses the same standards to rate associates. This can be a little awkward if you are at the same level as your manager (yes it happens). Your manager's ability/willingness to advocate for you during these sessions is key. If the managers participating in these cross calibration sessions don't think highly of you, you're sunk...You need to be *very* aware of that in your daily interactions with other associates. One of the main criticisms of the performance management system is that it emphasizes individual performace more than team performance. Some steps have been taken to shift that, but too soon to judge the effectiveness of that change.

    Advice to Management

    Take a long hard look at your organizations and make sure they are organized in a way that makes sense. Then reorg once and be done with it. Similarly with Agile/federation model, think through all the processed long and hard - the devil is in the details - before pulling the trigger.

Capital One Interviews

Interview Experience

Interview Experience


Getting an Interview

Getting an Interview


Interview Difficulty


Interview Difficulty



  1. Helpful (28)  

    Director Interview

    Anonymous Interview Candidate
    Accepted Offer
    Positive Experience
    Average Interview


    The process took 6+ weeks. I interviewed at Capital One.


    After recruiter vetting I had a 30 minute job fit phone call with the hiring manager. I then had to take a few online tests before having f2f interviews. In one day I had 1 job fit, 2 behavioral and 1 case.

    Interview Questions

    • Give me a situation where you were asked to deliver results without getting additional resources.   1 Answer


    There was wiggle room in salary and sign on bonus, but no progress could be made around vacation time.

Capital One Awards & Accolades

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Top 50 Companies for Diversity , DiversityInc, 2012
Best Places to Work for LGBT Equality , Human Rights Campaign, 2010
Canada's Top 100 Employers , Mediacorp Canada, 2010
Employees’ Choice -50 Best Places to Work , Glassdoor, 2009
Training Top 125 , Training, 2012
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Additional Info

Headquarters Mc Lean, VA
Size 5000+ Employees
Founded 1994
Type Company - Public (COF)
Industry Finance
Revenue $10+ billion (USD) per year

Capital One Financial Corporation, incorporated in July 21, 1994, is a diversified banking company focused primarily on consumer and commercial lending and deposit origination. Its principal business segments are Local Banking and National Lending. Local Banking includes consumer, small business and commercial deposits, and lending conducted within its branch network. The ... More

Mission: At Capital One, we dare to dream, disrupt and deliver a better way for our customers, the financial industry and for each other.

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