Capital One Allows Customers to Add Personalized Image on Their Cards

Tue Jan 8, 2008 8:00am EST

* Reuters is not responsible for the content in this press release.

Company That Brought You the Card Lab Continues Customization
                                 Trend
MCLEAN, Va.--(Business Wire)--Capital One Financial Corporation (NYSE:COF) today announced the
addition of a new "personalized image" feature for its customers. All
Capital One consumer credit card customers now have the option to
visit the Capital One web site and upload their own photo images -
family, friends, pets, or a favorite picture - to be printed on their
card, at no cost.

   New and existing Capital One customers can go to
www.capitalone.com/imagecard and upload their own photo or choose an
image from our gallery for their card. Once the image is approved, a
new card will be mailed at no cost to the customer; account terms
remain intact.

   "Putting a personalized image on your credit card is a unique way
to express individual personality and creativity," said Pam Girardo,
spokesperson for Capital One. "This continues our efforts to empower
consumers by putting them in control of decisions affecting their
credit card."

   Last November, Capital One launched the Capital One Card Lab
(www.capitalone.com/cardlab), which provides consumers with a new
level of transparency and choice in credit cards. Customers are
offered a series of interactive choices related to interest rate,
annual fee, and reward options, where they can click to select the
combination of features that are most important to them. As choices
are made, the tool narrows the options in the remaining categories,
eliminating options that don't work together. For example, consumers
who are willing to pay an annual fee can earn rewards faster.

   "We found that consumers like the sense of control that comes with
the process of building their own card and the clarity it provides
about the terms and rewards they choose," said Girardo. "The
opportunity to personalize the look of their Capital One credit card
gives consumers the ability to truly customize their card - both
inside and out - to match their own individual needs and tastes."

   Capital One Card Lab Configurations Include:

   --  Base rewards (Miles, Points and Cash)

   --  Rewards bonuses (enhanced earn in specific categories, such as
        travel & entertainment)

   --  Interest rates

   --  Introductory offers

   --  Annual fees

   --  Plastic design, including personalized images and photos

   "In addition to designing your own plastic, the Capital One Card
Lab offers a great way for consumers to learn more about Capital One's
product offerings, and the terms and reward combinations that are
available."

   Customers interested in personalizing the image on their credit
card, or in building their own card from scratch in the Card Lab, can
visit www.capitalone.com or call 1-800-610-7670 for more information.

   About Capital One

   Headquartered in McLean, Virginia, Capital One Financial
Corporation (http://www.capitalone.com) is a financial holding
company, with 732 locations in New York, New Jersey, Connecticut,
Texas and Louisiana. Its principal subsidiaries, Capital One Bank,
Capital One Auto Finance, Inc., and Capital One, N.A., offer a broad
spectrum of financial products and services to consumers, small
businesses and commercial clients. Capital One's subsidiaries
collectively had $83.3 billion in deposits and $146.4 billion in
managed loans outstanding as of September 30, 2007. Capital One, a
Fortune 500 company, trades on the New York Stock Exchange under the
symbol "COF" and is included in the S&P 100 index.

Capital One Financial Corporation
Pam Girardo
703-720-2351
Pam.girardo@capitalone.com

Copyright Business Wire 2008
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