Credit Card Reviews

Capital One Platinum Costco MASTERCARD Consumer Reviews

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(190 reviews)
Capital One Platinum Costco MASTERCARD
1.4 out of 5 stars:
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Rewards Scam

by Rewards Scam on Mar 2, 2020
1 out of 5 stars

Capital One decides to change the process and still waiting for rewards cheque. Mailed Feb 3rd and reprint Feb 20th and Customer services advised must wait 2-3 weeks. If not received again, the only option to request another reprint and wait 2-3 weeks. What a scam! Pay my bill in full each month and never late. Why should I wait for the rewards I earned?

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Horrible Policies

by Ashley on Jan 11, 2020
1 out of 5 stars

This is the worst credit card I have ever had. They freeze your card after a short time of an overdue payment. I was less than one week late on a payment because I was stuck in another country while travelling and couldn't access my online banking in a foreign country and they froze my card. When I called to cancel my card, they forfeited all of my Costco cashback rewards.

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Incompetent and impolite

by James on Dec 28, 2019
1 out of 5 stars

I didn't get my rebate cheque in the mail. I called to ask them to send me another copy. They were able to confirm the account rebate balance was untouched but refused to send me my cheque as records indicate the cheque had already been sent. When I told him it most likely got lost in transit, the MasterCard customer representative yelled "THAT IS IMPOSSIBLE" So basically your rebate = 0% if anything goes wrong. If you are looking for someone to add insult to injury please call customer service!

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Scotia Momentum Visa Infinite Card

Scotia Momentum Visa Infinite Card

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. 

Get this card / Apply online

Good credit BUT $1,500 limit

by MHaccountant on Sep 12, 2019
1 out of 5 stars

I have family members whose credit it much lower than mine and they have over $ 7000 limit. I can't buy a lot of stuff online on costco.ca since they are more expensive than my whole limit. I am forced to use other mastercards and sometimes I am losing on over $ 100 of points with one purchase. Basically capital one is stealing money from me and others like me due to their incompetency. Even a child can do a credit check, just do a credit check, what kind of company are they? Anyways, Costco has really decided to screw over their clients in Canada, but Costco Canada has never been as caring as US Costco.

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Ruined My Credit Rating

by Livid Lin on Jun 3, 2019
1 out of 5 stars

For no apparent reason, Capital One cancelled my card which effectively cancelled the pre-authorized payments they were taking from my bank every month. I was totally unaware of any of this as I was out of the country for six months. When I returned I had a three-inch stack of letters from a collection agency. Even if Capital One had a legitimate reason to cancel my card (which they didn't) one would think they'd have the foresight to take their payment from my bank account first! I have spent about two hours (so far) on the phone with Capital One with no resolution in sight. I am beyond livid. I am now using my PC mastercard at Costco. As other posters have said I also lost my yearly rewards payment from Capital One because of their incompetence.

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Same as other reviews.

by Shoe on May 6, 2019
1 out of 5 stars

Cancelled my card.

As others have said, no credit increases. I've been constantly hitting my meagre limit monthly, enduring the embarrassment at the checkout and making early payments.

As per their "terms of service", I forfeited all of my Costco rewards.

This card has been damaging my credit rating for "high credit utilization".

Well sure. With the limits they give out, a child could hit it easily.

Shame on Costco, a brand that I personally trust for getting into bed with this company.

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Scotia Momentum VISA Infinite Card

Scotia Momentum VISA Infinite Card

Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. What else will you get:

 

  • 4% on eligible recurring bill payments and grocery store purchases
  • 2% on eligible gas station and daily transit purchases
  • 1% cash back on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7 Visa Infinite Dining Series Visa Infinite Music Series Wine Country Wonders Luxury Hotel Privileges
  • Comprehensive Travel Insurance & New Mobile Device Insurance coverage

Get this card / Apply online

Horrible customer service

by KL on Nov 7, 2018
1 out of 5 stars

I had my new membership and had asked both Costco and Capital One numerous times to update it. I had to travel back and forth while neither party would take responsibility on their faults. I was at Costco over 5 times to deal with this and called Capital One on more than 5 occasions to try and get thing resolved. Nobody did anything until my time run out and Capital One cancelled my card along with $180 reward I had on it. No apology, nobody takes responsibility. Over the course of 2 months, all I got was the runaround. Absolutely disgusting customer service.

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Scam, No Customer Service

by Disappointed on Oct 22, 2018
1.5 out of 5 stars

I have had this card for one year now as we are avid Costco shoppers and decided to reap the benefit of some cash back. I have never encountered such terrible and disappointing customer service with any other credit card that I use (AMEX, other MC). My credit limit is $8000, this must have been determined from the initial credit and salary check conducted. I know we spend more than this but figured the credit limit will be increased in good time as soon as Capital One has evidence of timely & full payments each month (I have an impeccable record with credit cards/bills - never late, always paid in full). It's been a year, I've declined numerous times due to being at the limit and unbeknownst to me, they even allowed a transaction to go through a bit over the limit (under $100), and then charged me a $29 over-limit fee!! I requested a few times for Capital One to increase my limit and they refused, and said it would have to go through upper management for reconsideration, and that they would need to do another credit check and salary check - I refused as I feel I do not need to be begging Capital One, they should be harassing me to increase the limit - crazy! I have never seen anything like it. In addition, cash back refunds are due in Jan/Feb, I did not receive mine until the following June as I kept calling Capital One to state I did not receive a refund, and they kept saying "It's in the mail". Terrible service, I will contact Costco to complain, and will likely cancel this altogether.

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cash back takes forever

by john do on Mar 27, 2018
2.5 out of 5 stars

This is my second year having Costco Mastercard credit card. On their website/agreement, there is a statement and cash back coupon that is supposed to be sent on January automatically but I never got them. It takes several attempts to contact them for them to send back cash back coupon. Last year I got them in late May and right now, I've called them several times already to get my cash back. Warning others that it takes way longer for them to give you rewards

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Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment 

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Get a RBC Westjet MC instead

by Grayle on Jan 24, 2018
1 out of 5 stars

Better service, better rewards with RBC Westjet MasterCard
Capital one is the worst experience I have ever had with a credit card company. Very rude staff.

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