COF
Capital One Financial Corp.
HARAM
Score: 8/100
stockIs COF Halal?
Credit card bank — core business is interest-based lending (riba).
What You Should Know
Capital One is one of America's largest credit card issuers and banks. Its primary revenue comes from interest charged on credit card balances, auto loans, and consumer banking products. The entire business model is built on riba (interest). Credit card interest rates — often 20-30% APR — represent a particularly high-interest form of riba. Capital One cannot pass any Sharia screening on the business activity screen alone.
⚠️ Concerns
- •Core business is credit card interest income (riba)
- •Auto loan interest income (riba)
- •Consumer banking interest products
- •High interest rates charged to cardholders
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