Summer 2027
Data Science Intern
Data Science
Capital One
10,001+ employees
Credit cards, loans, and banking services
Compensation Overview
$76.92 - $92.31/hr
No H1B Sponsorship
Cambridge, MA, USA + 7 more
More locations: San Francisco, CA, USA | San Jose, CA, USA | Plano, TX, USA | McLean, VA, USA | Richmond, VA, USA | Chicago, IL, USA | New York, NY, USA
In Person
In-person attendance at the assigned location is required for the ten-week program; applicants must be located in the continental United States.
PhD
 Data & Analytics (1) |
|---|
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- Currently has, or is in the process of obtaining, a PhD in Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, or a related quantitative field, with an expectation that the required degree will be obtained by August 2029 or earlier.
- Must continue in the same PhD course of study following completion of the internship.
- At least six months of experience or academic work using open-source programming languages for data analysis.
- At least six months of experience or academic work using machine learning techniques.
- At least six months of experience with Python, R, or SQL.
- Must be located in the continental United States and attend in person at the assigned location for the duration of the program.
- The position does not provide employment-authorization sponsorship for new applicants.
- Evaluate open-source and internally developed modeling and analytics tools using real business data.
- Integrate internal data with external data sources and application programming interfaces to discover and implement actionable insights.
- Design and develop data science models to communicate solutions to customers and company leadership.
- Experience or academic work in inferential statistics.
- Experience or academic work with relational databases.
- Experience or academic work with large-scale data analysis.
Capital One provides a range of financial services in the United States, including credit cards, savings accounts, car loans, and business checking. It uses data and technology to shape its products and make banking easier and more accessible, including no-fee, no-minimum checking options. The company earns money mainly from interest on loans and credit card fees, plus investment banking services. Its products work by offering customers accounts and credit instruments backed by various lending products, with features like online banking, customer support, and educational tools to help financial decisions. Capital One differentiates itself through an emphasis on financial inclusion, user-friendly digital experiences, and partnerships focused on financial literacy, aiming to reach a broad audience from individuals to small businesses. Its goal is to simplify banking and expand access to financial services for a wide audience.
Company Size
10,001+
Company Stage
IPO
Headquarters
McLean, Virginia
Founded
2014
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Simplify's Take
What believers are saying
- July 21, 2026 Q2 revenue rose 4% to $15.9 billion, with NIM at 8.01%.
- Capital One finished migrating 25 million debit cards to Discover rails in July 2026.
- Q2 2026 net income hit $3.0 billion as credit losses fell $1.1 billion.
What critics are saying
- Q1 2027 back-book migrations will force Discover cardholders onto Capital One's app.
- The $425 million 360 Savings settlement delays customer payouts into late 2026.
- July 2026 credit-card and savings lawsuits keep lawyers and regulators focused on Capital One.
What makes Capital One unique
- Capital One's July 2026 MACAW platform uses proprietary data and guarded multi-agent workflows.
- Discover ownership gives Capital One a closed-loop network, unlike card-only rivals.
- Capital One Science kept publishing open-weight and privacy research through August 2026.
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Benefits
Medical, Dental, & Vision coverage
Onsite Health Centers
Prescription saving with network of local pharmacies
Stock Purchase Plan
Education Assistance
401(k)
Flexible Spending Accounts
Life and Disability insurance
Generous paid time off + corporate & floating holidays
Registered dieticians on site, cooking classes and free virtual fitness classes
Employee Assistance Program
Company News
Business Credit card issuers ranked: amex leads with 38% share. The race among business credit card issuers is becoming sharper, and new data from PaymentsJournal, drawing on research by Javelin Strategy & Research, puts clear numbers on who is winning it. American Express holds 38% market share among business credit cardholders, making it the clear frontrunner. Bank of America sits second at 33%, with Chase close behind at 29%. Capital One and Wells Fargo round out the top five. The rankings come from Javelin's report, Small Business Credit Cards: A $1 Trillion Opportunity for Issuers, Networks, and Fintechs, which maps the competitive landscape across pricing, rewards, fees, and account terms. What the numbers suggest is a market where the top three issuers are genuinely close in reach, even if American Express holds the lead. Which raises an obvious follow-up: what separates a 38% player from a 29% one in a space where the cards themselves can look broadly similar? A market heading towards $1 Trillion. The context matters here. Javelin projects that small business credit card transaction volume will exceed $1 trillion by 2027, making this one of the more consequential battlegrounds in commercial financial services. That projection is drawing in not just the established card issuers but also networks and fintechs, all of whom are eyeing a customer base that ranges from sole traders to companies with more complex spending needs. The Javelin research draws on its Small Business Card Bench to evaluate how leading programmes compare across the basics: what they charge, what they give back in rewards, and how their account terms hold up. The picture that emerges, according to the report, is one of widening differentiation. Some issuers are building tailored card portfolios designed for specific business types and spending patterns. Others are offering more standardised products. That gap, the research suggests, is growing. For businesses themselves, the institution behind the card can affect more than just the rewards rate. Cash flow management tools, integration with accounting software, and the quality of expense tracking all feed into the day-to-day utility of a business card. An issuer with a broader suite of financial products has more to offer in that respect, and Javelin's report specifically considers how providers might deepen integration between business cards and wider financial services. Where the competition is heading. The five-issuer ranking reflects a broader consolidation dynamic in the business credit card space. American Express, Bank of America, and Chase together account for the majority of business cardholders in Javelin's data, leaving Capital One and Wells Fargo competing in a market where the top three already have strong purchase on customer relationships. That does not mean the rankings are fixed. The Javelin report flags major developments reshaping the market, alongside associated risk considerations, without specifying which developments it means in the publicly available summary. Fintechs entering the space with embedded card products and network-level changes are among the structural forces that could shift market share over the period to 2027. For issuers outside the top three, the question is whether product differentiation or distribution can move the dial when American Express, Bank of America, and Chase are already the default choice for a combined majority of businesses. For the leaders, the challenge is whether a $1 trillion market creates room to grow without simply fighting over existing cardholders. American Express heads into that environment with the largest share. Whether its 9-percentage-point lead over Chase is durable or erodes as fintechs and networks raise their own game is, for now, an open question the data does not yet answer.
Bank of America maintained its Buy rating on Capital One Financial with a $253 price target, representing 11.3% upside potential. The rating comes as Capital One integrates its Discover acquisition, completed in May 2025. Capital One's domestic credit card loans totalled $258.9 billion in July, growing 1.92% year-over-year, down from 2.58% growth in June. BofA analyst Mihir Bhatia expects loan growth to remain subdued until integration headwinds clear. Despite slower card growth, credit quality improved. The domestic card net charge-off rate fell 26 basis points to 4.12%, outperforming historical averages. Auto loans showed stronger momentum, growing 12.05% annually to reach $90.5 billion. BofA cited expected expense synergies, capital-return potential, and improving credit trends as reasons for its positive outlook, despite risks from economic uncertainty and regulatory concerns.
These are the best airport lounges in America, according to travelers. J.D. Power just ranked the nation's airport lounge networks, and two credit card heavyweights tied for the top spot. Airport lounges are often a must-stop for passengers beginning and ending their trips - but not all are created equal. According to the JD Power 2026 US Airport Lounge Satisfaction Study, the American Express Centurion Lounge and Capital One Lounge tie for the top spot nationwide, followed shortly by Chase Sapphire Lounge by The Club. These top three spots are all credit card-branded lounges. The study surveyed 3,000 individuals on customer satisfaction with airport lounges across the country from April to June 2026. The study measured eight distinct dimensions: value of experience, staff, food and beverage, cleanliness and upkeep, amenities, ease of accessing the lounge, and lastly, ambiance and Wi-Fi service. "With air travel demand as high as ever, the airport lounge customer experience is being challenged by crowded facilities and food and beverage offerings that do not always live up to expectations," Andrea Stokes, hospitality practice lead at JD Power, said in a press release. Stokes added, "As this segment of the airport economy continues to grow, it will be critical for lounge operators and their partners to continue to find ways to delight guests with higher quality food and beverage, and happier staff." Among the most important dimensions measured - staff - the study found that 77% of guests found the lounge staff to be welcoming, although just about half found staff to be happy or knowledgeable. The study also revealed why many passengers are turning to airport lounges in the first place. Around 39% of lounge guests said they made their way to lounges as a way to escape expensive food and beverage options in the airport. Nearly half of guests suggested the meals inside the lounge were better than expected.
JD Power 2026 U.S. Airport Lounge Satisfaction Study. American Express Centurion Lounge and Capital One Lounge Rank Highest in Overall Customer Satisfaction 19 August 2026 Complimentary food and beverage, staff interactions drive guest satisfaction with airport lounges. American Express Centurion Lounge and Capital One Lounge Rank Highest in Overall Customer Satisfaction * 45% of airport lounge guests are there to escape crowded airport terminals * Complimentary food and beverage is top airport lounge benefit * Lounge overcrowding negatively influences satisfaction TROY, Mich.: 19 Aug. 2026 - With the price of a bottle of water in a U.S. airport now routinely topping $5, and airports more crowded than ever, air travelers have increasingly made the airport lounge the destination before the destination. According to the JD Power 2026 U.S. Airport Lounge Satisfaction Study,(SM) released today, 39% of travelers are turning to airport lounges as a respite from high-priced food and beverage options in the airport terminal and 45% are using the lounges to escape crowds in the terminal. "The airport lounge has become an oasis for travelers, but that oasis can sometimes become a mirage when lounges are overcrowded and people need to wait in line to gain access," said Andrea Stokes, hospitality practice lead at JD Power. "With air travel demand as high as ever, the airport lounge customer experience is being challenged by crowded facilities and food and beverage offerings that do not always live up to expectations. As this segment of the airport economy continues to grow, it will be critical for lounge operators and their partners to continue to find ways to delight guests with higher quality food and beverage, and happier staff." Following are some key findings of the 2026 study: * High-priced food and beverage in terminal drives lounge demand: The highest ranked benefit of lounge access is complimentary food and beverage, followed by comfortable seating. A total of 39% of lounge visitors say they visited the lounge due to the high cost of airport food and beverage. * Some room for improvement on food and beverage: When asked to evaluate the quality of airport lounge food and beverage offerings, more than half (52%) say it was better than expected, while 44% say it was in line with what the expected and 4% say it is worse than expected, highlighting an opportunity for lounge operators to remain diligent when it comes to both food quality and variety. * Staff plays major role in lounge experience: Staff service is a key component of overall lounge satisfaction, and the majority of lounge guests (77%) say they experience welcoming staff. However, just half of guests view lounge staff as happy (52%) and/or knowledgeable (51%). * Overcrowding negatively affects guest satisfaction: Nearly half (46%) of guests say the lounge they use most often is usually moderately or severely crowded. Overall satisfaction scores among guests who say the airport lounge was "not at all crowded" is 833 (on a 1,000-point scale). That score falls to 589, a decrease of 244 points, when guests say the airport lounge is "severely crowded." Study Rankings American Express Centurion Lounge and Capital One Lounge rank highest in customer satisfaction with a score of 771, in a tie. Chase Sapphire Lounge by The Club (764) ranks third. The U.S. Airport Lounge Satisfaction Study measures customer satisfaction with airport lounges in the United States across eight core dimensions (in order of importance): value of experience; staff; food and beverage; cleanliness/upkeep; amenities; ease of accessing lounge; ambiance and Wi-Fi service. The 2026 study is based on responses gathered from 2,991 travelers who visited a U.S. airport lounge in the past year. The study was fielded from April through June 2026. About JD Power JD Power delivers mission-critical data, analytics and intelligence that help businesses improve customer experience and operational performance with confidence and clarity. Using proprietary, comprehensive data-including millions of consumer interactions and authoritative automotive datasets-combined with advanced analytics, artificial intelligence and deep industry expertise, JD Power enables leaders to respond to market shifts, make smarter decisions and drive measurable performance improvements. As an objective source of deep insight into real-world customer interactions with brands and products, JD Power provides the independent intelligence organizations need to anticipate change, strengthen customer engagement and advance growth. Learn more at JDPower.com. Media Contacts Joe lamuraglia, JD Power; east coast. 714-621-6224 John roderick; east coast. 631-584-2200 Join its list! To get the latest insights, announcements, and industry intelligence from its JD Power experts delivered right to your inbox, J.D. Power invite you to sign up for the mailing lists that are critical to your role: JD Power is committed to protecting and respecting your privacy, and J.D. Power'll only use your personal information to administer your account and to provide the products and services you requested from J.D. Power. From time to time, J.D. Power would like to contact you about its products and services, as well as other content that may be of interest to you. If you consent to J.D. Power contacting you for this purpose, please tick below to say how you would like J.D. Power to contact you: In order to provide you the content requested, J.D. Power need to store and process your personal data. If you consent to J.D. 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Visa and Mastercard join Rain's agentic commerce coalition. Stablecoin payments infrastructure company Rain has formed a group to promote agentic commerce development. The Agentic Payments Alliance (APA) was announced Tuesday (Aug. 18), listing Visa, Mastercard, Fiserv, Circle, Solana and Remitly among its founding members. "No single company should get to decide how agents transact on someone's behalf. That has to come from the platforms building the rails, the regulators setting the rules, and the innovators closest to how agents are actually being used today," Farooq Malik, co-founder and CEO of Rain, said in a news release. "We initiated the Agentic Payments Alliance to put all of these parties in the same room, and to do it now, while the category is still taking shape." The release cites projections from McKinsey estimating between $3 trillion and $5 trillion in global agentic AI commerce by 2030. What's still being defined, Rain said, is the infrastructure that allows that activity: how artificial intelligence agents are authorized, how fraud is detected, and how loyalty and rewards will work. The company said it formed the APA to "bring the people building that infrastructure into the same conversation, before those decisions get made in isolation." Rain says it has spent the last year "building toward this moment," with offerings like including its Agent Control Layer and Scoped Cards, which provide agents with widely accepted payment credentials "that are safe and limited." "That work put Rain in a position to convene founding members across the industry rather than build the category alone," the release said. "The Alliance itself is a working coalition, run collectively by its founding members rather than owned by any one company. Members will set its charter and mission together." The group's early work is expected to involve shared research and frameworks, experimenting with emerging standards for AI agent identity and authorization, and advocating on the regulatory questions raised by agentic commerce, Rain said. PYMNTS wrote earlier this month about how Visa, Mastercard and fellow card giants American Express and Capital One are developing "the rails" for agentic commerce. "Agentic commerce is a when, not an if," Visa CEO Ryan McInerney said during an earnings call. "We're building the products, the services, the protocols, ensuring that the ecosystem has what it takes, and this will happen, and it will be a positive tailwind for Visa."