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Capital One Eno

Capital One Eno

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This article was last updated Mar 14, 2018. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Chatbots have now entered the credit card market.

Capital One just released a new artificial intelligence feature for its personal credit cards cleverly dubbed Eno℠ — “one” spelled backward. This feature aims to simplify tasks like paying bills and securing online payments with virtual account numbers.

Eno℠ makes Capital One the first issuer to bring AI-technology to consumer credit card products, opening a world of possibilities.

So, what can Eno℠ do?

Text Eno℠ for account information and completing basic tasks.

Eno℠ is a chatbot that you can simply message like you would a friend, and it can perform a variety of actions like check your account balance, see available credit, pay your Capital One bill and more. Eno℠ even understands certain emojis like thumbs up and thumbs down, as well as the money bag. And, no need to be formal when texting Eno℠, you can write “bal” and it will know to check your balance.

Eno℠ adds a layer of security when shopping online.

With constant data breaches going on, you may be worried about entering your credit card number on various websites, but Eno℠ adds a layer of security when you enable its browser extension — currently only available with Google Chrome or Mozilla Firefox.

When you go to check out online, Eno℠ will pop up and prompt you to sign in. After, it will generate a virtual card number that is different than your credit card number and unique to each online merchant. For example, you’ll have one virtual card number for Amazon.com and another for Target.com. The remaining payment information will autofill.

Eno℠ will then keep track of all your virtual card numbers so you can easily lock or delete a virtual number in the case of a compromised merchant or security breach. This won’t affect your real credit card number or other spending.

Bottom line

Currently, no other major issuer has a service to compete with Eno℠, giving Capital One a leg up on competitors. Since Eno℠ can already perform a variety of common credit card actions that you’d typically have to access online or via a mobile app after logging on, as well as add extra security for online purchases, it’s evident there is value for consumers. And the future looks promising for Eno℠, seeing as the world becomes more technologically dependent with consumers preferring minor tasks like paying a bill to be as hassle-free as possible.

How to sign up:

Sign up for Eno℠ here.

Eno℠ from Capital One

To chat with Eno℠ by mobile, add your mobile phone number to the site.

Eno confirmation screen

From there, you can text Eno℠ things like “Bal” to get your current balance or “Pay a bill” to set up a payment to any of your Capital One accounts.

Here’s a screenshot of our text conversation with Eno℠:

Eno SMS feature

Then, you’ll have to add the Chrome extension for Eno℠ to your browser in order to access the virtual card number when you’re shopping online. Note, you can also do this in Mozilla Firefox.

Eno extension

From there, select the card you want to use to shop online and Capital One will assign you a virtual number.


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