Pros
Heavily org dependent. But some teams particularly, in Card, are doing cutting edge tech work. The offices and subsidized food are very nice! Co-workers are mostly data driven and not drama queens.
Cons
Heavily org dependent. But the common theme is ongoing job instability. Which is a HUGE distraction. Enterprise tooling reflects the talent of the folks there. I have not come across folks more indifferent to their customers, even if they're "only" internal. The attrition rate is 12-15% every SIX months. Cap One is full and they just acquired Discover and Brex. Now is not the right time to join the company. Hiring freezes up to the director level signal that. "Invest in yourself" where last Fridays of the month would be off, is gone. And with that the bargain cap one made with the labor market of lower wages (relative to the giants) for a relaxed work environment is out. Now you get the grind culture and stress of the giants without the pay. It makes little sense to continue employment here when there are better opportunities.