| | | | | | | | | | | | | | | | | | | | | |
<?xml version="1.0" encoding="windows-1252"?> |
<!-- DFIN - https://www.dfinsolutions.com/ --> |
<!-- CTU Version: Release master Build:20221108.6 --> |
<!-- Creation date: 2/2/2023 1:30:04 AM Eastern Time --> |
<!-- Copyright (c) 2023 Donnelley Financial Solutions, Inc. All Rights Reserved. --> |
<xsd:schema xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:us-types="http://fasb.org/us-types/2022" xmlns:cof="http://www.capitalone.com/20230201" xmlns:dei="http://xbrl.sec.gov/dei/2022" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:us-gaap="http://fasb.org/us-gaap/2022" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.capitalone.com/20230201" xmlns:xsd="http://www.w3.org/2001/XMLSchema"> |
| <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance"/> |
| <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase"/> |
| <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2022/dei-2022.xsd" namespace="http://xbrl.sec.gov/dei/2022"/> |
| <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric"/> |
| <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric"/> |
| <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2022/naics-2022.xsd" namespace="http://xbrl.sec.gov/naics/2022"/> |
| <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt"/> |
| <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd" namespace="http://fasb.org/us-gaap/2022"/> |
| <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-types-2022.xsd" namespace="http://fasb.org/us-types/2022"/> |
| <xsd:annotation> |
| | <xsd:appinfo> |
| | | <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cof-20230201_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple"/> |
| | | <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cof-20230201_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple"/> |
| | | <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cof-20230201_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:title="Definition Links, all" xlink:type="simple"/> |
| | | <link:roleType roleURI="http://www.capitalone.com//20230201/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation"> |
| <link:definition> 100000 - Document - Document and Entity Information </link:definition> |
| <link:usedOn> link:calculationLink </link:usedOn> |
| <link:usedOn> link:presentationLink </link:usedOn> |
| <link:usedOn> link:definitionLink </link:usedOn> |
| </link:roleType> |
| | | </xsd:appinfo> |
| | </xsd:annotation> |
| <xsd:element id="cof_DocumentAndEntityInformationTable" name="DocumentAndEntityInformationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true"/> |
| <xsd:element id="cof_DocumentAndEntityInformationLineItems" name="DocumentAndEntityInformationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/> |
| <xsd:element id="cof_SeriesIPreferredStockMember" name="SeriesIPreferredStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/> |
| <xsd:element id="cof_SeriesJPreferredStockMember" name="SeriesJPreferredStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/> |
| <xsd:element id="cof_SeriesKPreferredStockMember" name="SeriesKPreferredStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/> |
| <xsd:element id="cof_SeriesLPreferredStockMember" name="SeriesLPreferredStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/> |
| <xsd:element id="cof_SeriesNPreferredStockMember" name="SeriesNPreferredStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/> |
| <xsd:element id="cof_M0.800SeniorNotesDue2024Member" name="M0.800SeniorNotesDue2024Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/> |
| <xsd:element id="cof_M1.650SeniorNotesDue2029Member" name="M1.650SeniorNotesDue2029Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true"/> |
| </xsd:schema> |