What's in your wallet? DEFINITELY NOT CAPITAL ONE!
What a complete nightmare! We got this card thinking it would be great for international travel...wow, were we wrong. We were overcharged by Advantage Rent a car in Mexico City, and tried to dispute a portion of the charge ($92.95) immediately when we got back to the US. Capital One not only made it impossible to dispute the charge which Advantage Rent-a-Car admitted was incorrect (now bankrupt with its assests in liquidation), but they then made big accounting errors, charged us finance charges that they later only removed after we had to explain to them like grade schoolers why their arithmatic was wrong, and they have outsourced their customer service so nobody has any authority to use common sense.
So our disputed charge is a long story... but we booked a rental car on Travelocity, and then were charged an entirely fraudulent exchange rate, overcharged on top of that, and the office which was supposed to be open 24 hours was closed when we went to return the car and catch our international flight).
After numerous telephone calls, over a hundred pages of evidence, faxes and letters, we ended up asking to close our account. Not only did we waste a ton of time, we got different answers whenever we called, the customer service reps have no authority to resolve anything, and they honestly asked us to provide them a "second opinion" from a competing car rental company in Mexico City who was willing to say that we were overcharged. C'mon! Setting aside that no other car rental company is going to do that for a complete stranger anywhere (and Capital One knows that, which is what one representative admitted to us, agreeing that it is just their way of making charges impossible to dispute) we had provided Capital One our rental agreement, our Travelocity reservation, written statements, and pages of online comparisons which were obviously not enough.
It gets worse. The partial charge was credited, then re-debited to our account, but not just the part we had disputed...No... Capital One charged us the full amount again (part of which we had already paid since we only dispute A PART of our charge)...several calls, faxes, letters later they re-credited us but for the wrong amount, then (despite being specifically told by a customer service representative that they would not charge us anything further) they charged us a finance charge even though we had already paid it off, and then a late charge...several calls, faxes later, they told us to re-dispute the charge, and finally in the end, having gotten to the point of complete frustration I just paid the amount that the unscrupulous car rental company had overcharged us, and requested that my account be closed. STILL.... Capital One has not closed my account.
NEVER USE THIS CARD! They do not have your back, put something else, cash in your wallet!