<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019cde30-fb99-7cc7-8ef4-26f6f44c7527,g:805c49ac-8711-445b-8b67-cb1f9d98f616-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item"/>
  <link:roleRef roleURI="http://www.capitalone.com/role/StatementsofNetAssetsAvailableforBenefits" xlink:type="simple" xlink:href="cof-20260626.xsd#StatementsofNetAssetsAvailableforBenefits"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/StatementsofNetAssetsAvailableforBenefits" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAsset_019ce887-4452-7972-8df6-3133f75a8194" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAsset"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairAndContractValue_019ce887-4452-7e45-b507-948b916688be" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairAndContractValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAsset_019ce887-4452-7972-8df6-3133f75a8194" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairAndContractValue_019ce887-4452-7e45-b507-948b916688be" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant_019ce887-4452-7d47-8a4f-eb6efbb9640b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAsset_019ce887-4452-7972-8df6-3133f75a8194" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNoteReceivableFromParticipant_019ce887-4452-7d47-8a4f-eb6efbb9640b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableInvestmentSale_019ea7e2-3b45-7893-b53b-95331a65f784" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanReceivableInvestmentSale"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAsset_019ce887-4452-7972-8df6-3133f75a8194" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReceivableInvestmentSale_019ea7e2-3b45-7893-b53b-95331a65f784" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanOtherReceivable_019efaaa-acc8-7526-a1d2-fc283d6fd335" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanOtherReceivable"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAsset_019ce887-4452-7972-8df6-3133f75a8194" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanOtherReceivable_019efaaa-acc8-7526-a1d2-fc283d6fd335" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019ce889-eacb-7faa-a54b-ae1b7a217ae0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAsset_019ce889-eacb-7769-af9b-b976cd4223bb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAsset"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019ce889-eacb-7faa-a54b-ae1b7a217ae0" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAsset_019ce889-eacb-7769-af9b-b976cd4223bb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanLiability_019ce889-eacb-72a4-b7bf-6d1a2b13d975" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanLiability"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019ce889-eacb-7faa-a54b-ae1b7a217ae0" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanLiability_019ce889-eacb-72a4-b7bf-6d1a2b13d975" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairAndContractValue_019ce85e-7f3f-75e3-b2ec-6ac7c5d631fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairAndContractValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019ce85e-7f3f-726b-b602-02e078f00453" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairAndContractValue_019ce85e-7f3f-75e3-b2ec-6ac7c5d631fc" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairValue_019ce85e-7f3f-726b-b602-02e078f00453" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustContractValue_019ce85e-7f3f-7596-bffd-dace974cd3d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustContractValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustFairAndContractValue_019ce85e-7f3f-75e3-b2ec-6ac7c5d631fc" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanInvestmentExcludingPlanInterestInMasterTrustContractValue_019ce85e-7f3f-7596-bffd-dace974cd3d2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanLiability_019ce889-3f14-74a5-babf-e6248d0312c0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanLiability"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanOtherLiability_019ce889-3f14-7be9-9735-dba3303380df" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanOtherLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanLiability_019ce889-3f14-74a5-babf-e6248d0312c0" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanOtherLiability_019ce889-3f14-7be9-9735-dba3303380df" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/StatementofChangesinNetAssetsAvailableforBenefits" xlink:type="simple" xlink:href="cof-20260626.xsd#StatementofChangesinNetAssetsAvailableforBenefits"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/StatementofChangesinNetAssetsAvailableforBenefits" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease_019ce8a0-7906-759a-a4e9-99b61cf860d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant_019ce8a0-7906-7d19-bdd9-336d5969dbde" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease_019ce8a0-7906-759a-a4e9-99b61cf860d3" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForPaymentToParticipant_019ce8a0-7906-7d19-bdd9-336d5969dbde" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense_019ce8a0-7906-70e8-aa61-2678197eba95" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease_019ce8a0-7906-759a-a4e9-99b61cf860d3" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecreaseForAdministrativeExpense_019ce8a0-7906-70e8-aa61-2678197eba95" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease_019ce89e-a7e6-70cf-b5ec-2d7ddf2a63e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment_019ce89e-a7e6-7058-a890-8f7958d2e14d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease_019ce89e-a7e6-70cf-b5ec-2d7ddf2a63e7" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment_019ce89e-a7e6-7058-a890-8f7958d2e14d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant_019ce89e-a7e6-797c-a0da-b199b7bdd4d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease_019ce89e-a7e6-70cf-b5ec-2d7ddf2a63e7" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestIncomeOnNoteReceivableFromParticipant_019ce89e-a7e6-797c-a0da-b199b7bdd4d4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution_019ce89e-a7e6-7947-949e-dd069a0218e0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease_019ce89e-a7e6-70cf-b5ec-2d7ddf2a63e7" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution_019ce89e-a7e6-7947-949e-dd069a0218e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease_019ce8a1-2909-73b0-9805-1d9b18941d72" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease_019ce8a1-2909-7f2d-8f99-26fa38fa7c60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease_019ce8a1-2909-73b0-9805-1d9b18941d72" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncrease_019ce8a1-2909-7f2d-8f99-26fa38fa7c60" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease_019ce8a1-2909-7310-839d-aaf489f67087" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease_019ce8a1-2909-73b0-9805-1d9b18941d72" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitDecrease_019ce8a1-2909-7310-839d-aaf489f67087" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution_019ce89e-0e9e-7031-9ef5-44ac822df53b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash_019ce89e-0e9e-74db-ba97-2b21f1a99c50" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution_019ce89e-0e9e-7031-9ef5-44ac822df53b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForEmployerContributionCash_019ce89e-0e9e-74db-ba97-2b21f1a99c50" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover_019ce89e-0e9e-7934-965f-a88a25769ec7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution_019ce89e-0e9e-7031-9ef5-44ac822df53b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionExcludingRollover_019ce89e-0e9e-7934-965f-a88a25769ec7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover_019ce89e-0e9e-7433-8e4a-f90464d61688" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForContribution_019ce89e-0e9e-7031-9ef5-44ac822df53b" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForParticipantContributionRollover_019ce89e-0e9e-7433-8e4a-f90464d61688" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment_019ce89b-fee1-7b9b-be0f-0163ed4b03ff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment_019ce89b-fee1-711c-a02b-858faefb46a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment_019ce89b-fee1-7b9b-be0f-0163ed4b03ff" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForGainLossOnInvestment_019ce89b-fee1-711c-a02b-858faefb46a8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestAndDividendIncomeOnInvestment_019ce89b-fee1-7d21-9c6a-8afba1d2ccaf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestAndDividendIncomeOnInvestment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecreaseForIncomeLossOnInvestment_019ce89b-fee1-7b9b-be0f-0163ed4b03ff" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseForInterestAndDividendIncomeOnInvestment_019ce89b-fee1-7d21-9c6a-8afba1d2ccaf" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/ReconciliationofFinancialStatementstoForm5500ReconciliationofNetAssetsAvailableforBenefitDetails" xlink:type="simple" xlink:href="cof-20260626.xsd#ReconciliationofFinancialStatementstoForm5500ReconciliationofNetAssetsAvailableforBenefitDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/ReconciliationofFinancialStatementstoForm5500ReconciliationofNetAssetsAvailableforBenefitDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetAssetAvailableForBenefit_019e6b64-14ec-7baf-8dd1-4fd78a345aa4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetAssetAvailableForBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019e6b64-14ec-7998-bebc-068c08fb7902" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetAssetAvailableForBenefit_019e6b64-14ec-7baf-8dd1-4fd78a345aa4" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanNetAssetAvailableForBenefit_019e6b64-14ec-7998-bebc-068c08fb7902" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500NetAssetAvailableForBenefitContractValueToCurrentValueAdjustment_019e6b64-14ec-7a61-9d9b-98a5980c39f4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500NetAssetAvailableForBenefitContractValueToCurrentValueAdjustment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetAssetAvailableForBenefit_019e6b64-14ec-7baf-8dd1-4fd78a345aa4" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500NetAssetAvailableForBenefitContractValueToCurrentValueAdjustment_019e6b64-14ec-7a61-9d9b-98a5980c39f4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500NetAssetAvailableForBenefitAllocationToWithdrawingParticipantNotYetPaid_019e6b64-14ec-71f0-a289-add6a9261ac4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500NetAssetAvailableForBenefitAllocationToWithdrawingParticipantNotYetPaid"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetAssetAvailableForBenefit_019e6b64-14ec-7baf-8dd1-4fd78a345aa4" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500NetAssetAvailableForBenefitAllocationToWithdrawingParticipantNotYetPaid_019e6b64-14ec-71f0-a289-add6a9261ac4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500NetAssetAvailableForBenefitDeemedDistribution_019ea7c1-2b94-7286-8d66-37a5a3dc4139" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500NetAssetAvailableForBenefitDeemedDistribution"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetAssetAvailableForBenefit_019e6b64-14ec-7baf-8dd1-4fd78a345aa4" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500NetAssetAvailableForBenefitDeemedDistribution_019ea7c1-2b94-7286-8d66-37a5a3dc4139" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/ReconciliationofFinancialStatementstoForm5500ReconciliationofNetIncomeDetails" xlink:type="simple" xlink:href="cof-20260626.xsd#ReconciliationofFinancialStatementstoForm5500ReconciliationofNetIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/ReconciliationofFinancialStatementstoForm5500ReconciliationofNetIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetIncomeLoss_019ea7af-792f-70a9-ace0-cc8f3c964924" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease_019ea7af-792f-770a-9cba-9fffed6a10de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetIncomeLoss_019ea7af-792f-70a9-ace0-cc8f3c964924" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanChangeInNetAssetAvailableForBenefitIncreaseDecrease_019ea7af-792f-770a-9cba-9fffed6a10de" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseForDeemedDistributionPriorPeriod_019ea7af-792f-7985-aa49-25469a2bb618" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseForDeemedDistributionPriorPeriod"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetIncomeLoss_019ea7af-792f-70a9-ace0-cc8f3c964924" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseForDeemedDistributionPriorPeriod_019ea7af-792f-7985-aa49-25469a2bb618" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseDecreaseForContractValueToCurrentValue_019ea7af-792f-738b-b231-1f09890b7b93" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseDecreaseForContractValueToCurrentValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetIncomeLoss_019ea7af-792f-70a9-ace0-cc8f3c964924" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseDecreaseForContractValueToCurrentValue_019ea7af-792f-738b-b231-1f09890b7b93" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500PaymentToParticipantIncreaseForAllocationToWithdrawingParticipantNotYetPaid_019ea7af-792f-7140-800d-09b9a51d33c7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500PaymentToParticipantIncreaseForAllocationToWithdrawingParticipantNotYetPaid"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetIncomeLoss_019ea7af-792f-70a9-ace0-cc8f3c964924" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500PaymentToParticipantIncreaseForAllocationToWithdrawingParticipantNotYetPaid_019ea7af-792f-7140-800d-09b9a51d33c7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseDecreaseForDeemedDistribution_019ea7c1-4f72-7b61-afee-72300566e058" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseDecreaseForDeemedDistribution"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanForm5500CaptionNetIncomeLoss_019ea7af-792f-70a9-ace0-cc8f3c964924" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanReconciliationToForm5500ChangeInNetAssetAvailableForBenefitIncreaseDecreaseForDeemedDistribution_019ea7c1-4f72-7b61-afee-72300566e058" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/ScheduleHLine4iScheduleofAssetsHeldAtEndofYearDetails" xlink:type="simple" xlink:href="cof-20260626.xsd#ScheduleHLine4iScheduleofAssetsHeldAtEndofYearDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/ScheduleHLine4iScheduleofAssetsHeldAtEndofYearDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment_019f0061-9b5b-76fe-a214-5c067227926a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue_019f0061-9b5b-7071-91c2-e0806a8f3378" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment_019f0061-9b5b-76fe-a214-5c067227926a" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentInvestmentExcludingPlanInterestInMasterTrustCurrentValue_019f0061-9b5b-7071-91c2-e0806a8f3378" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution_019f0061-9b5b-7e7d-ab20-e8039c89c302" xlink:href="https://xbrl.fasb.org/us-gaap/2025/ebp/elts/us-gaap-ebp-2025.xsd#us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestment_019f0061-9b5b-76fe-a214-5c067227926a" xlink:to="loc_us-gaap-ebp_EmployeeBenefitPlanAssetHeldForInvestmentParticipantLoanAfterDeemedDistribution_019f0061-9b5b-7e7d-ab20-e8039c89c302" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
