On the complaint record, American Express scores higher (68/100 against 67): it answered 98.9% on time and gave relief in 25% of closed complaints, against 99.9% and 17% for Capital One.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Check the record before you sign.
Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.
Which would you choose?
No comments yet. Start the conversation - questions are welcome too.