Bank app comparison
Capital One vs Upgrade app
Store facts as of
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Capital One
Banking app
Visit site for Capital One (opens in a new tab)
Upgrade
Banking app
Visit site for Upgrade (opens in a new tab)
Short answer
On the App Store, Capital One has a store rating of 4.8 out of 5 from 11,299,784 ratings, and Upgrade has a store rating of 4.8 out of 5 from 83,685 ratings, as of Nov 12, 2026. Capital One last updated its iPhone app on Oct 30, 2026, and Upgrade on Oct 16, 2026. Of the 10 app features we look for in each bank's official sources (its website, help center or official app store listing), both state the same 7, side by side in the table below.
Store ratings
These are store ratings from app users on the App Store and Google Play, not a Priceless Tay score.
Capital One
Google Play rating (Android)
4.5out of 5
1.72M reviews, as shown on Google Play. Updated on Oct 24, 2026.
As of · Google Play listing
Upgrade
Google Play rating (Android)
4.4out of 5
29.9K reviews, as shown on Google Play. Updated on Oct 15, 2026.
As of · Google Play listing
Updates and app facts
Capital One last updated its iPhone app on Oct 30, 2026, 13 days before we checked, and Google Play shows its Android app updated on Oct 24, 2026. Upgrade last updated its iPhone app on Oct 16, 2026, 27 days before we checked, and Google Play shows its Android app updated on Oct 15, 2026.
Capital One
- Last App Store update
- Version 6.56.1, released Oct 30, 2026
- App size
- 421.8 MB
- Requires
- iOS 17.0 or later
- Runs on
- iPhone and iPad
- Languages
- 2 (English and Spanish)
- Developer
- Capital One
As of · App Store listing
Upgrade
- Last App Store update
- Version 1.35.1, released Oct 16, 2026
- App size
- 97.6 MB
- Requires
- iOS 15.1 or later
- Runs on
- iPhone and iPod touch
- Languages
- 2 (English and French)
- Developer
- Upgrade, Inc.
As of · App Store listing
Features each bank states
✓ means the bank's official sources (its website, help center or official app store listing) state it, with the quote and page shown. ✕ means those sources say the bank doesn't offer it. We never mark a feature ✕ just because a page doesn't mention it. Each mark links to the page it came from; the quotes are on each app's own page.
Send money to people
Capital One
Upgrade
Mobile check deposit
Capital One
Card lock and unlock
Screen by screen
Pick a task to see what each app shows for it. App Store, Google Play and bank website images are the bank's own marketing, so names and balances are sample data. Help center images come from the bank's support pages. See every bank app's screens.
Home and accounts
Capital One
Google Play marketing imageA home screen with a credit card balance of $524.63, a bank account balance of $2,134.78, an Open a new account link and a rewards tile showing $60.80.Google Play listing, as of 
From Capital One's websiteA home screen saying Hi there. We've got new tools for you! with a credit card tile and a checking tile.capitalone.com, as of 
Google Play marketing imageTwo account tiles showing a credit card balance of $524.63 and a bank account balance of $2,134.78.Google Play listing, as of 
Google Play marketing imageAn Explore rewards and benefits tile showing $60.80 in rewards cash with Travel, Dining and Entertainment shortcuts.Google Play listing, as of 
Google Play marketing imageA bottom tab bar with Home, Rewards, Pay and Move, Help and Profile.Google Play listing, as of
Upgrade
Google Play marketing imageAn Android Upgrade menu listing Personal Loans, Credit Cards, Rewards Checking Preferred, Premier Savings, Home Improvement, Auto Finance and Flexpay.Google Play listing, as of 
Google Play marketing imageThe Android Upgrade menu: Personal Loans, Credit Cards, Rewards Checking Preferred, Premier Savings, Home Improvement, Auto Finance and Flexpay, each with an icon.Google Play listing, as of
Transfer and send
Capital One
Google Play marketing imageA Review and send screen for a Zelle payment to Amy Bowers from a 360 Checking account with a Slide to send control.Google Play listing, as of 
Google Play marketing imageA Zelle review form showing recipient Amy Bowers, phone number, a $50.00 amount, the from account and a Groceries memo.Google Play listing, as of 
Google Play marketing imageA Slide to send control at the bottom of the payment review.Google Play listing, as of
Upgrade
App Store marketing imageA tilted Upgrade screen with a green check mark: "Success! $500 on the way", a Cash Advance of $500.00 to an account ending 3438, and Auto Repayment and Due Date rows.App Store listing, as of
Card controls
Capital One
App Store marketing imageA Lock this Card dialog explaining that no one will be able to use the card, with Yes, Lock This Card and Cancel buttons.App Store listing, as of 
Google Play marketing imageA Ready to tap screen telling the user to take out a new Venture card and tap it to the phone, with a Start button.Google Play listing, as of 
Google Play marketing imageA Virtual cards screen with a Savor virtual card number, expiration and security code shown in a card overlay.Google Play listing, as of 
From Capital One's websiteA Lock Card screen with a lock icon, a note that no one can use the card while locked, a card row with its toggle switched on and marked locked, and a Done button.capitalone.com, as of 
From Capital One's websiteA Your card panel with a masked card number ending in 1234, expiration and security code, and options to add it to Apple Wallet, PayPal and Amazon.capitalone.com, as of
Upgrade
Google Play marketing imageA OneCard Essentials screen showing $2,500.00 available credit and a $250.00 current balance, with a Rewards card showing $3.28 available and an Activity list.Google Play listing, as of 
App Store marketing imageAn Upgrade Card screen showing $2,500.00 available credit, a Rewards and Benefits card with a $3.28 available rewards balance and a Redeem button, and an Autopay row.App Store listing, as of Google Play marketing imageAn Android OneCard Essentials screen: $2,500.00 available credit, $250.00 current balance, an enlarged Rewards card with a $3.28 available rewards balance placed over the screen and an Activity list starting with a pending Amazon purchase of $129.99.Google Play listing, as of 
App Store marketing imageA green Upgrade Card tile showing $2,500.00 available credit.App Store listing, as of 
App Store marketing imageA Rewards and Benefits card showing a $3.28 available rewards balance with a Redeem button.App Store listing, as of
Settings and security
Capital One
App Store marketing imageA sign in prompt that reads Tired of typing passwords? Sign in with Face ID, with a Use Face ID button and a No Thanks option.App Store listing, as of 
App Store marketing imageAn iPhone lock screen showing a Capital One notification asking Were you double charged? about two $10.50 charges.App Store listing, as of
Upgrade
No official screen found yet
Transactions
Capital One
From Capital One's websiteA Transaction Details screen for a $59.08 Salad Savvy purchase with merchant address, statement descriptor, phone, website, Report a Problem and a map.capitalone.com, as of
Upgrade
Google Play marketing imageActivity with an Amazon Purchase dated Apr 02, marked Pending, for $129.99.Google Play listing, as of
Check deposit
Capital One
Google Play marketing imageA Deposit a check screen with a 360 Checking deposit account, an Enter amount field and a memo field.Google Play listing, as of 
Google Play marketing imageA deposit form with the deposit account, an Enter amount field, front and back check photo boxes and a memo field.Google Play listing, as of
Upgrade
No official screen found yet
AI assistant
Capital One
From Capital One's websiteAn Eno chat that says I'm Eno, your Capital One assistant, with suggested questions about reporting fraud, changing a due date and transferring a balance, and a user question What's my available credit?capitalone.com, as of
Upgrade
No official screen found yet
Privacy labels
Apple's privacy labels are what each developer reports to Apple. Apple says it does not verify them. We copy the category names exactly as the App Store lists them.
Capital One
Data Used to Track You
- Identifiers
- Usage Data
Data Linked to You
- Financial Info
- Contact Info
- Contacts
- User Content
- Identifiers
- Usage Data
Data Not Linked to You
- Location
- Usage Data
- Diagnostics
As of · App Store listing
Upgrade
Data Used to Track You
- Identifiers
Data Linked to You
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
- Usage Data
- Diagnostics
As of · App Store listing
Accessibility labels
Capital One
The App Store listing shows no accessibility labels for this app (checked Oct 25, 2026). That means the developer hasn't listed them, not that the app has no accessibility support.
FAQ
What are the App Store ratings for Capital One and Upgrade?
Capital One has a store rating of 4.8 out of 5 from 11,299,784 ratings. Upgrade has a store rating of 4.8 out of 5 from 83,685 ratings. These are App Store ratings from users, not a Priceless Tay score.
What are the Google Play ratings for Capital One and Upgrade?
Capital One shows 4.5 out of 5 (1.72M reviews) on Google Play, and Upgrade shows 4.4 out of 5 (29.9K reviews).
When were the Capital One and Upgrade iPhone apps last updated?
Capital One released version 6.56.1 on Oct 30, 2026. Upgrade released version 1.35.1 on Oct 16, 2026.
Which Apple devices do the Capital One and Upgrade apps run on?
The App Store lists iPhone and iPad for Capital One, and iPhone and iPod touch for Upgrade.
Which app features do both Capital One and Upgrade state?
Both banks' official sources state mobile check deposit, card lock and unlock, account alerts, automatic saving, face or fingerprint sign-in, a credit score in the app, and Apple Pay or Google Pay.
Keep comparing
- See every fact on the Capital One app page, with all four screenshots.
- See every fact on the Upgrade app page, with all four screenshots.
- Compare other bank apps, or read how we compare bank apps.
Sources and dates
Capital One
- App Store facts, privacy and accessibility labels, screenshots and icon: App Store listing and Apple's iTunes Lookup API, checked Nov 12, 2026.
- Google Play rating and update date: Google Play listing, checked Oct 25, 2026.
- Features, from Capital One's official sources: capitalone.com/digital/tools/mobile, capitalone.com/bank/autosave.
Upgrade
- App Store facts, privacy and accessibility labels, screenshots and icon: App Store listing and Apple's iTunes Lookup API, checked Nov 12, 2026.
- Google Play rating and update date: Google Play listing, checked Oct 25, 2026.
- Features, from Upgrade's official sources: upgrade.com/help/deposit-checking-savings/rewards-checking/what-is-mobile-deposit, upgrade.com/help/deposit-checking-savings/rewards-checking/what-if-my-upgrade-visa-debit-card-is-lost-or-stolen, upgrade.com/rewards-checking, upgrade.com/rewards-checking-preferred, upgrade.com/mobile-app.
- Upgrade's help center says Rewards Checking Preferred customers use the Upgrade mobile app (help page 'Does Rewards Checking Preferred have a mobile app?').
This is education, not financial advice.
