American Express vs Capital One
A side-by-side comparison of American Express and Capital One — TrustScores, verified reviews and ratings across the App Store and Google Play, updated for 2026.
Head-to-head
| Metric | American Express | Capital One |
|---|---|---|
| TrustScore (/5) | 3.9 | 3.1 |
| Total reviews | 2,592 | 4,723 |
| Proof-verified reviews | 1,999 | 2,582 |
| App Store rating | 4.3 | 3.1 |
| Google Play rating | 4.5 | 3.1 |
| Region | Global | Global |
| Founded | 1850 | 1994 |
American Express · rating distribution
5
975 · 38%
4
768 · 30%
3
378 · 15%
2
174 · 7%
1
297 · 11%
Capital One · rating distribution
5
765 · 16%
4
1,203 · 25%
3
1,171 · 25%
2
750 · 16%
1
834 · 18%
The verdict
American Express edges ahead with a TrustScore of 3.9/5 versus 3.1/5 for Capital One — but the right choice depends on the features and fees that matter to you. Read the verified reviews for both before deciding.
Explore more credit & debit cards or see alternatives to American Express and alternatives to Capital One.