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  <xs:element id="cof_InterestexpenseSecuritizedDebtObligationMember" abstract="true" name="InterestexpenseSecuritizedDebtObligationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_GainLossOnFairValueLoansHeldForInvestmentRecognizedInEarnings" abstract="false" name="GainLossOnFairValueLoansHeldForInvestmentRecognizedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivablePastDueAndNotPastDueUnderPaycheckProtectionProgram" abstract="false" name="FinancingReceivablePastDueAndNotPastDueUnderPaycheckProtectionProgram" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_SecuritizedDebtObligationsMember" abstract="true" name="SecuritizedDebtObligationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_OtherDebtAbstract" abstract="true" name="OtherDebtAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_IncreaseDecreaseinAllowanceforCreditLoss" abstract="false" name="IncreaseDecreaseinAllowanceforCreditLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_NonRecoverableRateMember" abstract="true" name="NonRecoverableRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_SeriesIPreferredStockMember" abstract="true" name="SeriesIPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_ServiceChargesAndOtherCustomerFeesContractsMember" abstract="true" name="ServiceChargesAndOtherCustomerFeesContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_SeniorAndSubordinatedNotesMember" abstract="true" name="SeniorAndSubordinatedNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_CommonStockFinancingActivitiesAbstract" abstract="true" name="CommonStockFinancingActivitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_SecuredDebtFairValueDisclosure" abstract="false" name="SecuredDebtFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_OtherBorrowingsFairValueDisclosure" abstract="false" name="OtherBorrowingsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossNoncurrentPercentTotal" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossNoncurrentPercentTotal" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cof_CommercialAndIndustrialMember" abstract="true" name="CommercialAndIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_RepaymentsofUnsecuredDebtandLongTermFHLBAdvances" abstract="false" name="RepaymentsofUnsecuredDebtandLongTermFHLBAdvances" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_StockIssuedDuringPeriodSharesNewIssuesandRestrictedStockNetofForfeituresinshares" abstract="false" name="StockIssuedDuringPeriodSharesNewIssuesandRestrictedStockNetofForfeituresinshares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="cof_GainLossOnFairValueOtherAssetsRecognizedInEarnings" abstract="false" name="GainLossOnFairValueOtherAssetsRecognizedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_SecurityClassDomain" abstract="true" name="SecurityClassDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_ServiceChargesandOtherCustomerRelatedFees" abstract="false" name="ServiceChargesandOtherCustomerRelatedFees" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_DividendBasisSpreadOnVariableRate" abstract="false" name="DividendBasisSpreadOnVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cof_FederalHomeLoanbanksMember" abstract="true" name="FederalHomeLoanbanksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_HedgedLOLAAssetsCumulativeBasisAdjustment" abstract="false" name="HedgedLOLAAssetsCumulativeBasisAdjustment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_VariableInterestEntitiesnonconsolidatedCarryingamountofAssetsincludedincertaininvestmentstructures" abstract="false" name="VariableInterestEntitiesnonconsolidatedCarryingamountofAssetsincludedincertaininvestmentstructures" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableNonaccrualNoAllowancePercentPastDue" abstract="false" name="FinancingReceivableNonaccrualNoAllowancePercentPastDue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossPercentTotal" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossPercentTotal" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cof_SecuritizationRelatedVariableInterestEntitiesMember" abstract="true" name="SecuritizationRelatedVariableInterestEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_LetterofCreditIssuedContractualAmountandUnusedCommitmenttoExtendCredit" abstract="false" name="LetterofCreditIssuedContractualAmountandUnusedCommitmenttoExtendCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_HedgedIteminFairValueHedgingRelationshipTableTextBlock" abstract="false" name="HedgedIteminFairValueHedgingRelationshipTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cof_SeriesJPreferredStockMember" abstract="true" name="SeriesJPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_Cof_LossContingencyRelatedtoLitigationMattersPolicyTextBlockPolicyTextBlock" abstract="false" name="Cof_LossContingencyRelatedtoLitigationMattersPolicyTextBlockPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cof_DerivativeCreditRiskValuationAdjustmentDerivativeAssetsLiabilities" abstract="false" name="DerivativeCreditRiskValuationAdjustmentDerivativeAssetsLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_GainLossOnCashFlowHedgesRecognizedInEarnings" abstract="false" name="GainLossOnCashFlowHedgesRecognizedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ParticipatingSecuritiesDistributedandUndistributedEarningsLossexcludingPreferredStockDividendsBasic" abstract="false" name="ParticipatingSecuritiesDistributedandUndistributedEarningsLossexcludingPreferredStockDividendsBasic" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_InterchangeLitigationMember" abstract="true" name="InterchangeLitigationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_SeniorNotesDue2024Member" abstract="true" name="SeniorNotesDue2024Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_AvailableforsaleSecuritiesExpectedDebtMaturitiesFairValueRollingMaturityAbstract" abstract="true" name="AvailableforsaleSecuritiesExpectedDebtMaturitiesFairValueRollingMaturityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_ResidentialMortgageBackedSecuritiesAgencyMember" abstract="true" name="ResidentialMortgageBackedSecuritiesAgencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_DebtMaturitiesAvailableforSaleWeightedAverageExpectedLife" abstract="false" name="DebtMaturitiesAvailableforSaleWeightedAverageExpectedLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cof_InterestincomeOtherMember" abstract="true" name="InterestincomeOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_AmortizationOfBasisAdjustment" abstract="false" name="AmortizationOfBasisAdjustment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FederalReserveDiscountWindowMember" abstract="true" name="FederalReserveDiscountWindowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_PreferredStockFinancingActivitiesAbstract" abstract="true" name="PreferredStockFinancingActivitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_AvailableforsaleSecuritiesWeightedAverageYieldAbstract" abstract="true" name="AvailableforsaleSecuritiesWeightedAverageYieldAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_RepurchaseAgreementCollateralRightToReclaimCashOffset" abstract="false" name="RepurchaseAgreementCollateralRightToReclaimCashOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_OtherComprehensiveIncomeLossTransferOfSecuritiesHeldToMaturityNetOfTax" abstract="false" name="OtherComprehensiveIncomeLossTransferOfSecuritiesHeldToMaturityNetOfTax" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_AdvisedLineofCredit" abstract="false" name="AdvisedLineofCredit" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_RetainedInterestMeasurementInput" abstract="false" name="RetainedInterestMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="cof_CommercialLendingMember" abstract="true" name="CommercialLendingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_OtherComprehensiveIncomeLossOtherTaxAttributableToParent" abstract="false" name="OtherComprehensiveIncomeLossOtherTaxAttributableToParent" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_Cof_RestrictedEquityInvestmentsPolicyTextBlockPolicyTextBlock" abstract="false" name="Cof_RestrictedEquityInvestmentsPolicyTextBlockPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cof_OtherInterestRateExposuresMember" abstract="true" name="OtherInterestRateExposuresMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_AccumulatedOtherComprehensiveIncomeLossOtherComponentMember" abstract="true" name="AccumulatedOtherComprehensiveIncomeLossOtherComponentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_VariableInterestEntitiesnonconsolidatedCarryingamountofliabilitiesincludedincertaininvestmentstructures" abstract="false" name="VariableInterestEntitiesnonconsolidatedCarryingamountofliabilitiesincludedincertaininvestmentstructures" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_LoansHeldforInvestmentMeasurementInput" abstract="false" name="LoansHeldforInvestmentMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cof_FICOScore621To660Member" abstract="true" name="FICOScore621To660Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_FairValueRMBSCumulativeEffectsfromtheAdoptionoftheCECLStandard" abstract="false" name="FairValueRMBSCumulativeEffectsfromtheAdoptionoftheCECLStandard" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_CarryingAmountOfLiabilities" abstract="false" name="CarryingAmountOfLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_OtherNonInterestIncomeMember" abstract="true" name="OtherNonInterestIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_PreferredStockDepositarySharesIssued" abstract="false" name="PreferredStockDepositarySharesIssued" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="cof_LossSharingAgreementMember" abstract="true" name="LossSharingAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_RetainedInterestMeasurementInputLifeofReceivables" abstract="false" name="RetainedInterestMeasurementInputLifeofReceivables" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cof_NumberOfConsumerClassActionCasesCurrentlyPendingForCybersecurityIncident" abstract="false" name="NumberOfConsumerClassActionCasesCurrentlyPendingForCybersecurityIncident" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="cof_HedgedItemsInFairValueHedgingRelationshipLineItems" abstract="true" name="HedgedItemsInFairValueHedgingRelationshipLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_CommercialBankingSegmentMember" abstract="true" name="CommercialBankingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_MortgageServicingAssetatAmortizedCostGross" abstract="false" name="MortgageServicingAssetatAmortizedCostGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ScheduleOfIntangibleAssetsByMajorClassTable" abstract="true" name="ScheduleOfIntangibleAssetsByMajorClassTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cof_ProceedsfromIssuanceofUnsecuredDebtandLongTermFHLBAdvancesNetofIssuanceCost" abstract="false" name="ProceedsfromIssuanceofUnsecuredDebtandLongTermFHLBAdvancesNetofIssuanceCost" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_SmallTicketRealEstateMember" abstract="true" name="SmallTicketRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_StockIssuedDuringPeriodSharesStockOptionsandWarrantsExercisedandRestrictedStockVesting" abstract="false" name="StockIssuedDuringPeriodSharesStockOptionsandWarrantsExercisedandRestrictedStockVesting" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="cof_RealizedGainsLossesonForeignExchangeContractsReclassifiedfromAOCI" abstract="false" name="RealizedGainsLossesonForeignExchangeContractsReclassifiedfromAOCI" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_UnsecuredDebtFairValueDisclosure" abstract="false" name="UnsecuredDebtFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_UncollectiblePortionofBilledFinanceChargesandFees" abstract="false" name="UncollectiblePortionofBilledFinanceChargesandFees" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableAllowanceForCreditLossAdjustmentsOther" abstract="false" name="FinancingReceivableAllowanceForCreditLossAdjustmentsOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ResidentialMortgageBackedSecuritiesNonagencyMember" abstract="true" name="ResidentialMortgageBackedSecuritiesNonagencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_CybersecurityIncidentMember" abstract="true" name="CybersecurityIncidentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_SeriesLPreferredStockMember" abstract="true" name="SeriesLPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_VariableInterestEntitiesandSecuritizationAbstract" abstract="true" name="VariableInterestEntitiesandSecuritizationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_InterestExpenseSecuredDebt" abstract="false" name="InterestExpenseSecuredDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_CommercialMortgageBackedSecuritiesAgencyMember" abstract="true" name="CommercialMortgageBackedSecuritiesAgencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossCurrentPercentTotal" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossCurrentPercentTotal" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cof_PenaltyPaidToTheUSTreasury" abstract="false" name="PenaltyPaidToTheUSTreasury" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_VariableInterestEntityNonconsolidatedTotalAssets" abstract="false" name="VariableInterestEntityNonconsolidatedTotalAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercisedAndRestrictedStockVesting" abstract="false" name="StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercisedAndRestrictedStockVesting" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_CreditCardandConsumerPortfoliosMember" abstract="true" name="CreditCardandConsumerPortfoliosMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_CustomerNetRevenueRange" abstract="false" name="CustomerNetRevenueRange" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_OtherPortfolioSegmentsExcludingCreditCardMember" abstract="true" name="OtherPortfolioSegmentsExcludingCreditCardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_FICOScoreLessThan620Member" abstract="true" name="FICOScoreLessThan620Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_MeasurementInputLifeofReceivablesMember" abstract="true" name="MeasurementInputLifeofReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_InterestExpenseUnsecuredDebt" abstract="false" name="InterestExpenseUnsecuredDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_NetDerivativeAssetsLiabilitiesMember" abstract="true" name="NetDerivativeAssetsLiabilitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_CreditCardSegmentMember" abstract="true" name="CreditCardSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_FinancingReceivableModificationsAverageRateReduction" abstract="false" name="FinancingReceivableModificationsAverageRateReduction" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cof_ConsumerBankingSegmentMember" abstract="true" name="ConsumerBankingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_GainLossOnFairValueAssetsRecognizedInEarnings" abstract="false" name="GainLossOnFairValueAssetsRecognizedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="cof_AvailableforsaleSecuritiesExpectedDebtMaturitiesAmortizedCostBasisRollingMaturity" abstract="true" name="AvailableforsaleSecuritiesExpectedDebtMaturitiesAmortizedCostBasisRollingMaturity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_InvestmentCompaniesProvidingCapitaltoLowIncomeandRuralCommunitiesMember" abstract="true" name="InvestmentCompaniesProvidingCapitaltoLowIncomeandRuralCommunitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_FinancialAssetCurrentAndLessThan30DaysPastDueMember" abstract="true" name="FinancialAssetCurrentAndLessThan30DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_FixedUnsecuredSubordinatedDebtMember" abstract="true" name="FixedUnsecuredSubordinatedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_FinancingReceivablePercent90DaysPastDueandStillAccruing" abstract="false" name="FinancingReceivablePercent90DaysPastDueandStillAccruing" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cof_ScheduleOfExpectedMaturityAndWeightedAverageYieldOfSecuritiesTable" abstract="true" name="ScheduleOfExpectedMaturityAndWeightedAverageYieldOfSecuritiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="cof_StockIssuedDuringPeriodValueNewIssuesandRestrictedStockNetofForfeitures" abstract="false" name="StockIssuedDuringPeriodValueNewIssuesandRestrictedStockNetofForfeitures" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FixedUnsecuredSeniorDebtMember" abstract="true" name="FixedUnsecuredSeniorDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_CombinedAllowanceAndUnfundedReserveMember" abstract="true" name="CombinedAllowanceAndUnfundedReserveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_DepositorySharePercentInterestinPreferredStock" abstract="false" name="DepositorySharePercentInterestinPreferredStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="cof_OtherComprehensiveIncomeLossBeforeTaxAttributableToParent" abstract="false" name="OtherComprehensiveIncomeLossBeforeTaxAttributableToParent" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_GainOrLossOnFairValueHedgesRecognizedInNetInterestIncome" abstract="false" name="GainOrLossOnFairValueHedgesRecognizedInNetInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableAllowanceForCreditLossTranslationAdjustmentsAndPurchaseCreditDeterioratedLoans" abstract="false" name="FinancingReceivableAllowanceForCreditLossTranslationAdjustmentsAndPurchaseCreditDeterioratedLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_IntangibleAssetsbyMajorClassDomain" abstract="true" name="IntangibleAssetsbyMajorClassDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_InterestExpenseOtherBorrowings" abstract="false" name="InterestExpenseOtherBorrowings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_InterestincomeInvestmentsecuritiesMember" abstract="true" name="InterestincomeInvestmentsecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_LitigationSettlementAmountAttributabletoReportingEntityandThirdParty" abstract="false" name="LitigationSettlementAmountAttributabletoReportingEntityandThirdParty" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_TransferOfToPortfolioFinancingReceivablesToFromHeldForSale" abstract="false" name="TransferOfToPortfolioFinancingReceivablesToFromHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_OffBalanceSheetLendingCommitmentCarryingValue" abstract="false" name="OffBalanceSheetLendingCommitmentCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ContinuingInvolvementwithContinuedtobeRecognizedTransferredFinancialAssetsCashBalanceinSpreadandReserveAccounts" abstract="false" name="ContinuingInvolvementwithContinuedtobeRecognizedTransferredFinancialAssetsCashBalanceinSpreadandReserveAccounts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_CustomerAccommodationMember" abstract="true" name="CustomerAccommodationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_PaymentsForRedemptionOfPreferredStock" abstract="false" name="PaymentsForRedemptionOfPreferredStock" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_SeniorNotesDue2029Member" abstract="true" name="SeniorNotesDue2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_OtherContractRevenueMember" abstract="true" name="OtherContractRevenueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_InterestReceivableFairValueDisclosure" abstract="false" name="InterestReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossNoncurrentPercent" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossNoncurrentPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="cof_NoninterestIncomeExcludingRevenueFromContractWithCustomer" abstract="false" name="NoninterestIncomeExcludingRevenueFromContractWithCustomer" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ScheduleofLossSharingArrangementImpactTableTextBlock" abstract="false" name="ScheduleofLossSharingArrangementImpactTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cof_NonInterestIncomeOtherMember" abstract="true" name="NonInterestIncomeOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_CreditCardPortfolioSegmentMember" abstract="true" name="CreditCardPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_AppraisalValueMember" abstract="true" name="AppraisalValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_FairValueAssetsMeasuredOnNonRecurringBasisGainLossIncludedInEarningsTableTextBlock" abstract="false" name="FairValueAssetsMeasuredOnNonRecurringBasisGainLossIncludedInEarningsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cof_ContinuingInvolvementwithContinuedtobeRecognizedTransferredFinancialAssetsLiabilitiesIncurred" abstract="false" name="ContinuingInvolvementwithContinuedtobeRecognizedTransferredFinancialAssetsLiabilitiesIncurred" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ScheduleofLetterofCreditandOtherLoanCommitmentsTableTextBlock" abstract="false" name="ScheduleofLetterofCreditandOtherLoanCommitmentsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cof_FloatingUnsecuredSeniorDebtMember" abstract="true" name="FloatingUnsecuredSeniorDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_PaymentsForProceedsFromSaleOfFinancingReceivableHeldForInvestment" abstract="false" name="PaymentsForProceedsFromSaleOfFinancingReceivableHeldForInvestment" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_DebtandDepositLiabilitiesDisclosuresTextBlock" abstract="false" name="DebtandDepositLiabilitiesDisclosuresTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="cof_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVenturesFairValueDisclosureSubjectToImpairment" abstract="false" name="InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVenturesFairValueDisclosureSubjectToImpairment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ContinuingInvolvementwithDerecognizedTransferredFinancialAssetsLiabilitiesIncurred" abstract="false" name="ContinuingInvolvementwithDerecognizedTransferredFinancialAssetsLiabilitiesIncurred" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_IntangibleAssetsGrossIncludingGoodwill" abstract="false" name="IntangibleAssetsGrossIncludingGoodwill" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FairValueAssetsMeasureonRecurringBasisUnrealizedGainLossinOCI" abstract="false" name="FairValueAssetsMeasureonRecurringBasisUnrealizedGainLossinOCI" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_InterestPayableFairValueDisclosure" abstract="false" name="InterestPayableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent" abstract="false" name="OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_RestrictedCashandCashEquivalentsFairvalueDisclosure" abstract="false" name="RestrictedCashandCashEquivalentsFairvalueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_DepositswithDefinedMaturities" abstract="false" name="DepositswithDefinedMaturities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_InterchangeFeesNet" abstract="false" name="InterchangeFeesNet" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_InterchangeFeesContractsMember" abstract="true" name="InterchangeFeesContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_ServicingAssetatAmortizedCostAccumulatedAmortization" abstract="false" name="ServicingAssetatAmortizedCostAccumulatedAmortization" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_InterestincomeLoansMember" abstract="true" name="InterestincomeLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_FXSpotTransactionsDomain" abstract="true" name="FXSpotTransactionsDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_NumberofConsumerClassActionCasesFiledforCybersecurityIncident" abstract="false" name="NumberofConsumerClassActionCasesFiledforCybersecurityIncident" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="cof_LossSharingAgreementsFinancingReceivableAllowanceCoveredExpectedReimbursement" abstract="false" name="LossSharingAgreementsFinancingReceivableAllowanceCoveredExpectedReimbursement" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ClassofSecuritiesAxis" abstract="true" name="ClassofSecuritiesAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="cof_FHLBAdvanceCapitalLeaseObligationandGPMHMember" abstract="true" name="FHLBAdvanceCapitalLeaseObligationandGPMHMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_InterestexpenseDepositsMember" abstract="true" name="InterestexpenseDepositsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_MeasurementInputYieldMember" abstract="true" name="MeasurementInputYieldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_ForeclosedPropertyandRepossessedAssetsFairValueDisclosure" abstract="false" name="ForeclosedPropertyandRepossessedAssetsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_AffordableHousingEntitiesMember" abstract="true" name="AffordableHousingEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_MeasurementInputSwapRatesMember" abstract="true" name="MeasurementInputSwapRatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
