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The secret sauce of good credit.

What’s the secret sauce of good credit?

We offer tools to help you build your credit – and we show you how to use them.


We give you a leg up before you even become a customer with Quick Check, our credit card eligibility tool.

We make it easy to manage your account anywhere, any time with our mobile app.

We explain how to build credit, simplify confusing credit terms, and show you how to save on a tight budget.

We encourage you to stay on the right track by letting you know when you’ve taken positive steps toward good credit, because we want you to succeed. We believe you can.

And it’s working!

Over the last two years, 70% of our customers who made their Capital One credit payments on time (in addition to other factors) benefited from an increase to their credit score.*

Here’s what a couple of our customers have to say.



I love my Capital One card.
I love that using my Capital One card has helped me manage my finances so well.
And the automatic payment reminders helps to keep me on track with re-establishing my credit which is wonderful.”



Love the app.
This is my first credit card after nearly paying off a consumer proposal to rebuild my credit. I’m really happy with the opportunity Capital One has provided me to build my credit rating and the app makes it very easy to keep my credit card paid off.”


Although we’d love to take all the credit – we’re so impressed with what our customers have accomplished.

At Capital One, the secret sauce to good credit isn’t just a credit score. The secret is you.

Check Life & Credit regularly for useful credit content, and be sure to follow us on Facebook, Instagram and Twitter for updates!

Capital One non-partnership customer only. Based on January 2020 to December 2021 data retrieved from Equifax Canada.