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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019e3bc0-ff17-7725-9e12-cbd01edba2ec,g:f20f9771-545f-4092-8d31-dd6a91907286-->
<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/CONSOLIDATEDSTATEMENTSOFINCOMEUNAUDITED" xlink:type="simple" xlink:href="cof-20260630.xsd#CONSOLIDATEDSTATEMENTSOFINCOMEUNAUDITED"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/CONSOLIDATEDSTATEMENTSOFINCOMEUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_019e3bc1-0b07-7d7f-8040-11f5e4aa19fa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketingExpense_019e3bc1-0b07-7985-86a5-b143905af172" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MarketingExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e3bc1-0b07-7d7f-8040-11f5e4aa19fa" xlink:to="loc_us-gaap_MarketingExpense_019e3bc1-0b07-7985-86a5-b143905af172" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019e3bc1-0b07-712b-9974-e201cec63948" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e3bc1-0b07-7d7f-8040-11f5e4aa19fa" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019e3bc1-0b07-712b-9974-e201cec63948" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalAndContractServicesExpense_019e3bc1-0b07-7513-b7aa-f188463f8b45" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfessionalAndContractServicesExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e3bc1-0b07-7d7f-8040-11f5e4aa19fa" xlink:to="loc_us-gaap_ProfessionalAndContractServicesExpense_019e3bc1-0b07-7513-b7aa-f188463f8b45" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommunicationsAndInformationTechnology_019e3bc1-0b07-716c-9da2-b4356b1ada4c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommunicationsAndInformationTechnology"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e3bc1-0b07-7d7f-8040-11f5e4aa19fa" xlink:to="loc_us-gaap_CommunicationsAndInformationTechnology_019e3bc1-0b07-716c-9da2-b4356b1ada4c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet_019e3bc1-0b07-7ac0-9299-cf177aff1d21" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OccupancyNet"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e3bc1-0b07-7d7f-8040-11f5e4aa19fa" xlink:to="loc_us-gaap_OccupancyNet_019e3bc1-0b07-7ac0-9299-cf177aff1d21" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoninterestExpense_019e3bc1-0b07-77b7-a79b-6ba1346c586f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNoninterestExpense"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e3bc1-0b07-7d7f-8040-11f5e4aa19fa" xlink:to="loc_us-gaap_OtherNoninterestExpense_019e3bc1-0b07-77b7-a79b-6ba1346c586f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_AmortizationAndImpairmentOfIntangibles_019e3bc1-0b07-74ac-a9f8-c140f7157a7d" xlink:href="cof-20260630.xsd#cof_AmortizationAndImpairmentOfIntangibles"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019e3bc1-0b07-7d7f-8040-11f5e4aa19fa" xlink:to="loc_cof_AmortizationAndImpairmentOfIntangibles_019e3bc1-0b07-74ac-a9f8-c140f7157a7d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019e3bc1-0b07-7111-898f-5b782bd46a49" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019e3bc1-0b07-7e2e-a1e8-6961eb9a7e32" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019e3bc1-0b07-7111-898f-5b782bd46a49" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019e3bc1-0b07-7e2e-a1e8-6961eb9a7e32" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019e3bc1-0b07-7272-aaca-528a968456ef" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019e3bc1-0b07-7111-898f-5b782bd46a49" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019e3bc1-0b07-7272-aaca-528a968456ef" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e3bc1-0b07-77ad-8e50-e09ac1c7dc4e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperations_019e3bc1-0b07-7ae6-93c3-b7d73fcc10a6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019e3bc1-0b07-77ad-8e50-e09ac1c7dc4e" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperations_019e3bc1-0b07-7ae6-93c3-b7d73fcc10a6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019e3bc1-0b07-7710-a65c-09aad7f4b8b0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_019e3bc1-0b07-77ad-8e50-e09ac1c7dc4e" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019e3bc1-0b07-7710-a65c-09aad7f4b8b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019e3bc1-0b07-719f-b8ae-dc8aa4df87be" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_019e3bc1-0b07-783f-bbdf-22383333cf85" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseOperating"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_019e3bc1-0b07-719f-b8ae-dc8aa4df87be" xlink:to="loc_us-gaap_InterestExpenseOperating_019e3bc1-0b07-783f-bbdf-22383333cf85" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019e3bc1-0b07-7bdd-bb0d-a66004bd683a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_019e3bc1-0b07-719f-b8ae-dc8aa4df87be" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_019e3bc1-0b07-7bdd-bb0d-a66004bd683a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperations_019e3bc1-0b07-7f01-8e95-1827a51ffe24" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperations"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e3bc1-0b07-76d3-a93d-12391d6e83ca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperations_019e3bc1-0b07-7f01-8e95-1827a51ffe24" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e3bc1-0b07-76d3-a93d-12391d6e83ca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019e3bc1-0b07-7a18-91d0-92bbefeb54e6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperations_019e3bc1-0b07-7f01-8e95-1827a51ffe24" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019e3bc1-0b07-7a18-91d0-92bbefeb54e6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019e3bc1-0b07-7122-8aea-aff4446d8217" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019e3bc1-0b07-7337-b86c-2451896dbe87" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019e3bc1-0b07-7122-8aea-aff4446d8217" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019e3bc1-0b07-7337-b86c-2451896dbe87" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeSecurities_019e3bc1-0b07-72a0-a2c3-a6674c9ba59d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeSecurities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019e3bc1-0b07-7122-8aea-aff4446d8217" xlink:to="loc_us-gaap_InterestAndDividendIncomeSecurities_019e3bc1-0b07-72a0-a2c3-a6674c9ba59d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInterestAndDividendIncome_019e3bc1-0b07-7427-9169-74a5954d0bee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherInterestAndDividendIncome"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019e3bc1-0b07-7122-8aea-aff4446d8217" xlink:to="loc_us-gaap_OtherInterestAndDividendIncome_019e3bc1-0b07-7427-9169-74a5954d0bee" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e3bc1-0b07-7041-a0a3-a4a697d02cdd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e3bc1-0b07-7188-a91f-a9d9bcdec6af" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e3bc1-0b07-7041-a0a3-a4a697d02cdd" xlink:to="loc_us-gaap_NetIncomeLoss_019e3bc1-0b07-7188-a91f-a9d9bcdec6af" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_ParticipatingSecuritiesDistributedandUndistributedEarningsLossexcludingPreferredStockDividendsBasic_019e3bc1-0b07-75a8-a452-4a38439338c6" xlink:href="cof-20260630.xsd#cof_ParticipatingSecuritiesDistributedandUndistributedEarningsLossexcludingPreferredStockDividendsBasic"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e3bc1-0b07-7041-a0a3-a4a697d02cdd" xlink:to="loc_cof_ParticipatingSecuritiesDistributedandUndistributedEarningsLossexcludingPreferredStockDividendsBasic_019e3bc1-0b07-75a8-a452-4a38439338c6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019e3bc1-0b07-7cdb-b80d-95ea104cd8b1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e3bc1-0b07-7041-a0a3-a4a697d02cdd" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019e3bc1-0b07-7cdb-b80d-95ea104cd8b1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_DiscountForPreferredStockRedeemed_019f3ceb-5032-7f2f-b374-07a1c47e2328" xlink:href="cof-20260630.xsd#cof_DiscountForPreferredStockRedeemed"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e3bc1-0b07-7041-a0a3-a4a697d02cdd" xlink:to="loc_cof_DiscountForPreferredStockRedeemed_019f3ceb-5032-7f2f-b374-07a1c47e2328" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019e3bc1-0b07-7616-a608-2efbeee2bd1f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_InterchangeFeesNet_019e3bc1-0b07-74a5-b17c-b3938f38c6a4" xlink:href="cof-20260630.xsd#cof_InterchangeFeesNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e3bc1-0b07-7616-a608-2efbeee2bd1f" xlink:to="loc_cof_InterchangeFeesNet_019e3bc1-0b07-74a5-b17c-b3938f38c6a4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_ServiceChargesandOtherCustomerRelatedFees_019e3bc1-0b07-70aa-b036-4250c3c3961b" xlink:href="cof-20260630.xsd#cof_ServiceChargesandOtherCustomerRelatedFees"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e3bc1-0b07-7616-a608-2efbeee2bd1f" xlink:to="loc_cof_ServiceChargesandOtherCustomerRelatedFees_019e3bc1-0b07-70aa-b036-4250c3c3961b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOther_019e3bc1-0b07-70a5-85d5-c6d9986b4780" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncomeOther"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e3bc1-0b07-7616-a608-2efbeee2bd1f" xlink:to="loc_us-gaap_NoninterestIncomeOther_019e3bc1-0b07-70a5-85d5-c6d9986b4780" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_019e3bc1-0b07-7a28-84a7-5d4d2c125b5a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_InterestExpenseSecuredDebt_019e3bc1-0b07-7776-bb80-5cf96a98ee83" xlink:href="cof-20260630.xsd#cof_InterestExpenseSecuredDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_019e3bc1-0b07-7a28-84a7-5d4d2c125b5a" xlink:to="loc_cof_InterestExpenseSecuredDebt_019e3bc1-0b07-7776-bb80-5cf96a98ee83" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_InterestExpenseOtherBorrowings_019e3bc1-0b07-75a8-8adb-09c6786d1420" xlink:href="cof-20260630.xsd#cof_InterestExpenseOtherBorrowings"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_019e3bc1-0b07-7a28-84a7-5d4d2c125b5a" xlink:to="loc_cof_InterestExpenseOtherBorrowings_019e3bc1-0b07-75a8-8adb-09c6786d1420" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_InterestExpenseUnsecuredDebt_019e3bc1-0b07-7d88-8bee-20bdda8f97e5" xlink:href="cof-20260630.xsd#cof_InterestExpenseUnsecuredDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_019e3bc1-0b07-7a28-84a7-5d4d2c125b5a" xlink:to="loc_cof_InterestExpenseUnsecuredDebt_019e3bc1-0b07-7d88-8bee-20bdda8f97e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits_019e3bc1-0b07-7ba1-89ad-f642ca9877d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_019e3bc1-0b07-7a28-84a7-5d4d2c125b5a" xlink:to="loc_us-gaap_InterestExpenseDeposits_019e3bc1-0b07-7ba1-89ad-f642ca9877d5" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEUNAUDITED" xlink:type="simple" xlink:href="cof-20260630.xsd#CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEUNAUDITED"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0b07-7189-bdb5-2d55480184e2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_019e3bc1-0b07-716a-a605-717958a996ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0b07-7189-bdb5-2d55480184e2" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_019e3bc1-0b07-716a-a605-717958a996ab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_019e3bc1-0b07-7183-8d6a-eab2545543fe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0b07-7189-bdb5-2d55480184e2" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_019e3bc1-0b07-7183-8d6a-eab2545543fe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent_019e3bc1-0b07-7fa8-a247-09e0d61d8565" xlink:href="cof-20260630.xsd#cof_OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0b07-7189-bdb5-2d55480184e2" xlink:to="loc_cof_OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent_019e3bc1-0b07-7fa8-a247-09e0d61d8565" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019e3bc1-0b07-7d79-81fc-b36c3012ddc9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0b07-7189-bdb5-2d55480184e2" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019e3bc1-0b07-7d79-81fc-b36c3012ddc9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e3bc1-0b07-7e34-a332-7ea60686543d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0b07-787d-bb0e-42f16a35655c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e3bc1-0b07-7e34-a332-7ea60686543d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0b07-787d-bb0e-42f16a35655c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e3bc1-0b07-74cc-a563-67411b522f47" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019e3bc1-0b07-7e34-a332-7ea60686543d" xlink:to="loc_us-gaap_NetIncomeLoss_019e3bc1-0b07-74cc-a563-67411b522f47" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/CONSOLIDATEDBALANCESHEETSUNAUDITED" xlink:type="simple" xlink:href="cof-20260630.xsd#CONSOLIDATEDBALANCESHEETSUNAUDITED"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/CONSOLIDATEDBALANCESHEETSUNAUDITED" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e3bc1-0b07-76d2-95a7-78baa5f86e88" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019e3bc1-0b07-7995-86e9-6d4435c1610e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e3bc1-0b07-76d2-95a7-78baa5f86e88" xlink:to="loc_us-gaap_Liabilities_019e3bc1-0b07-7995-86e9-6d4435c1610e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019e3bc1-0b07-75df-82ae-b4a28c139ad8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e3bc1-0b07-76d2-95a7-78baa5f86e88" xlink:to="loc_us-gaap_StockholdersEquity_019e3bc1-0b07-75df-82ae-b4a28c139ad8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_019e3bc1-0b07-749e-bd4a-a2a8bf3400d6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e3bc1-0b07-76d2-95a7-78baa5f86e88" xlink:to="loc_us-gaap_CommitmentsAndContingencies_019e3bc1-0b07-749e-bd4a-a2a8bf3400d6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019e3bc1-0b07-7d89-b18c-c818689de923" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsAndFederalFundsSold_019e3bc1-0b07-7286-a555-9a31520c5147" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e3bc1-0b07-7d89-b18c-c818689de923" xlink:to="loc_us-gaap_CashCashEquivalentsAndFederalFundsSold_019e3bc1-0b07-7286-a555-9a31520c5147" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_019e3bc1-0b07-76e5-ac18-4b2ea0d3cfa2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCashAndCashEquivalents"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e3bc1-0b07-7d89-b18c-c818689de923" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_019e3bc1-0b07-76e5-ac18-4b2ea0d3cfa2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss_019e3bc1-0b07-7032-90d3-aff983814aff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e3bc1-0b07-7d89-b18c-c818689de923" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss_019e3bc1-0b07-7032-90d3-aff983814aff" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_019e3bc1-0b07-78b7-b2af-a9503d019f0f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesReceivableNet"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e3bc1-0b07-7d89-b18c-c818689de923" xlink:to="loc_us-gaap_NotesReceivableNet_019e3bc1-0b07-78b7-b2af-a9503d019f0f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_019e3bc1-0b07-7cc8-b552-bd93bdafeae2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e3bc1-0b07-7d89-b18c-c818689de923" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleNetNotPartOfDisposalGroup_019e3bc1-0b07-7cc8-b552-bd93bdafeae2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_019e3bc1-0b07-799a-bba9-627f70c23f3b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e3bc1-0b07-7d89-b18c-c818689de923" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_019e3bc1-0b07-799a-bba9-627f70c23f3b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_019e3bc1-0b07-75f5-8ec7-1765457e51db" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestReceivable"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e3bc1-0b07-7d89-b18c-c818689de923" xlink:to="loc_us-gaap_InterestReceivable_019e3bc1-0b07-75f5-8ec7-1765457e51db" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019e3bc1-0b07-7207-8600-101743c0fd8b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e3bc1-0b07-7d89-b18c-c818689de923" xlink:to="loc_us-gaap_Goodwill_019e3bc1-0b07-7207-8600-101743c0fd8b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e3bc1-0b07-7447-9a9a-d2f6e8f80b83" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e3bc1-0b07-7d89-b18c-c818689de923" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e3bc1-0b07-7447-9a9a-d2f6e8f80b83" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019e3bc1-0b07-7445-8f32-d5d6f773dbaf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019e3bc1-0b07-7d89-b18c-c818689de923" xlink:to="loc_us-gaap_OtherAssets_019e3bc1-0b07-7445-8f32-d5d6f773dbaf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsAndFederalFundsSold_019e3bc1-0b07-7074-8ed4-05244a990387" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSold"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_019e3bc1-0b07-74e3-8faf-40ad525a2fca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsAndFederalFundsSold_019e3bc1-0b07-7074-8ed4-05244a990387" xlink:to="loc_us-gaap_CashAndDueFromBanks_019e3bc1-0b07-74e3-8faf-40ad525a2fca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositsInBanks_019e3bc1-0b07-7e53-b75c-f60273e1d9a1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestBearingDepositsInBanks"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsAndFederalFundsSold_019e3bc1-0b07-7074-8ed4-05244a990387" xlink:to="loc_us-gaap_InterestBearingDepositsInBanks_019e3bc1-0b07-7e53-b75c-f60273e1d9a1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019e3bc1-0b07-7934-8fbb-575bbe9f509d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_019e3bc1-0b07-799f-8fad-213779dd7a31" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e3bc1-0b07-7934-8fbb-575bbe9f509d" xlink:to="loc_us-gaap_OtherLiabilities_019e3bc1-0b07-799f-8fad-213779dd7a31" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019e3bc1-0b07-77fa-9ccb-3a827843950a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e3bc1-0b07-7934-8fbb-575bbe9f509d" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019e3bc1-0b07-77fa-9ccb-3a827843950a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_019e3bc1-0b07-72c5-b006-cd1d29bfd817" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Deposits"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e3bc1-0b07-7934-8fbb-575bbe9f509d" xlink:to="loc_us-gaap_Deposits_019e3bc1-0b07-72c5-b006-cd1d29bfd817" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_DebtExcludingSecuredDebt_019e3bc1-0b07-7003-a646-bd8b40ba5464" xlink:href="cof-20260630.xsd#cof_DebtExcludingSecuredDebt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e3bc1-0b07-7934-8fbb-575bbe9f509d" xlink:to="loc_cof_DebtExcludingSecuredDebt_019e3bc1-0b07-7003-a646-bd8b40ba5464" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebt_019e3bc1-0b07-7d09-a95d-a47a693e2bcc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuredDebt"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019e3bc1-0b07-7934-8fbb-575bbe9f509d" xlink:to="loc_us-gaap_SecuredDebt_019e3bc1-0b07-7d09-a95d-a47a693e2bcc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_DebtExcludingSecuredDebt_019e3bc1-0b07-7b5f-abb0-1396800d7755" xlink:href="cof-20260630.xsd#cof_DebtExcludingSecuredDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase_019e3bc1-0b07-74c1-8057-bbe8d8cf6399" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_DebtExcludingSecuredDebt_019e3bc1-0b07-7b5f-abb0-1396800d7755" xlink:to="loc_us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase_019e3bc1-0b07-74c1-8057-bbe8d8cf6399" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnsecuredDebt_019e3bc1-0b07-77f1-92a7-b62f7089d652" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UnsecuredDebt"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_DebtExcludingSecuredDebt_019e3bc1-0b07-7b5f-abb0-1396800d7755" xlink:to="loc_us-gaap_UnsecuredDebt_019e3bc1-0b07-77f1-92a7-b62f7089d652" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherBorrowings_019e3bc1-0b07-7bd4-a31b-d4438e7c9d4e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherBorrowings"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_DebtExcludingSecuredDebt_019e3bc1-0b07-7b5f-abb0-1396800d7755" xlink:to="loc_us-gaap_OtherBorrowings_019e3bc1-0b07-7bd4-a31b-d4438e7c9d4e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_019e3bc1-0b07-7dca-9b97-c577716c59c3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesReceivableNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0b07-7306-89e2-f0189d285248" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019e3bc1-0b07-7dca-9b97-c577716c59c3" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0b07-7306-89e2-f0189d285248" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019e3bc1-0b07-7735-a391-02c58753ec14" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019e3bc1-0b07-7dca-9b97-c577716c59c3" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019e3bc1-0b07-7735-a391-02c58753ec14" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_019e3bc1-0b07-77b0-9f52-ac2f70885bd9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Deposits"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities_019e3bc1-0b07-7b6c-8390-1c2e643b0757" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_019e3bc1-0b07-77b0-9f52-ac2f70885bd9" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilities_019e3bc1-0b07-7b6c-8390-1c2e643b0757" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities_019e3bc1-0b07-710a-8603-6fa0e5c5f46d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestBearingDepositLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_019e3bc1-0b07-77b0-9f52-ac2f70885bd9" xlink:to="loc_us-gaap_InterestBearingDepositLiabilities_019e3bc1-0b07-710a-8603-6fa0e5c5f46d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019e3bc1-0b07-704b-a963-4dbde40d7a7b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019e3bc1-0b07-7762-aeee-f902bf4aa22f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e3bc1-0b07-704b-a963-4dbde40d7a7b" xlink:to="loc_us-gaap_PreferredStockValue_019e3bc1-0b07-7762-aeee-f902bf4aa22f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019e3bc1-0b07-70c7-8ebe-368f8edf5445" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e3bc1-0b07-704b-a963-4dbde40d7a7b" xlink:to="loc_us-gaap_CommonStockValue_019e3bc1-0b07-70c7-8ebe-368f8edf5445" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_019e3bc1-0b07-7448-86d0-a8a17b9f7af7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e3bc1-0b07-704b-a963-4dbde40d7a7b" xlink:to="loc_us-gaap_AdditionalPaidInCapital_019e3bc1-0b07-7448-86d0-a8a17b9f7af7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019e3bc1-0b07-7816-ab4f-63e18ff5a30f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e3bc1-0b07-704b-a963-4dbde40d7a7b" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019e3bc1-0b07-7816-ab4f-63e18ff5a30f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e3bc1-0b07-7ba4-ba58-af939d9c43ee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e3bc1-0b07-704b-a963-4dbde40d7a7b" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e3bc1-0b07-7ba4-ba58-af939d9c43ee" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_019e3bc1-0b07-78c3-8b57-aec4ba02ecd9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019e3bc1-0b07-704b-a963-4dbde40d7a7b" xlink:to="loc_us-gaap_TreasuryStockCommonValue_019e3bc1-0b07-78c3-8b57-aec4ba02ecd9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss_019e3bc1-0b07-730b-9247-6ccda25fad5f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e3bc1-0b07-79f6-adda-e0fedcbeecbe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss_019e3bc1-0b07-730b-9247-6ccda25fad5f" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e3bc1-0b07-79f6-adda-e0fedcbeecbe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0b07-7e2c-b42f-6aaad04a88ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss_019e3bc1-0b07-730b-9247-6ccda25fad5f" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0b07-7e2c-b42f-6aaad04a88ea" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="cof-20260630.xsd#CONSOLIDATEDSTATEMENTSOFCASHFLOWS"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-797c-8bdd-c1b7686e9491" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019e3bc1-0b07-72a4-96e6-2c98b841af10" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-797c-8bdd-c1b7686e9491" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_019e3bc1-0b07-72a4-96e6-2c98b841af10" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019e3bc1-0b07-7c43-8e83-fd825f9a87a5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-797c-8bdd-c1b7686e9491" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_019e3bc1-0b07-7c43-8e83-fd825f9a87a5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019e3bc1-0b07-7789-bc65-5cdfd8f3bd2b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-797c-8bdd-c1b7686e9491" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_019e3bc1-0b07-7789-bc65-5cdfd8f3bd2b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_019e3bc1-0b07-7554-abbc-a17fce9c2854" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-797c-8bdd-c1b7686e9491" xlink:to="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_019e3bc1-0b07-7554-abbc-a17fce9c2854" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_019e3bc1-0b07-77be-8c33-cd0662155be5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-797c-8bdd-c1b7686e9491" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_019e3bc1-0b07-77be-8c33-cd0662155be5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_ProceedsFromSaleOfDebtSecuritiesRelatedToTransaction_019e3bc1-0b07-78ae-8d8e-08c1cb1f948a" xlink:href="cof-20260630.xsd#cof_ProceedsFromSaleOfDebtSecuritiesRelatedToTransaction"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-797c-8bdd-c1b7686e9491" xlink:to="loc_cof_ProceedsFromSaleOfDebtSecuritiesRelatedToTransaction_019e3bc1-0b07-78ae-8d8e-08c1cb1f948a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_PaymentsForProceedsFromSaleOfFinancingReceivableHeldForInvestment_019e3bc1-0b07-723e-8abd-49b2ddaba137" xlink:href="cof-20260630.xsd#cof_PaymentsForProceedsFromSaleOfFinancingReceivableHeldForInvestment"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-797c-8bdd-c1b7686e9491" xlink:to="loc_cof_PaymentsForProceedsFromSaleOfFinancingReceivableHeldForInvestment_019e3bc1-0b07-723e-8abd-49b2ddaba137" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019e3bc1-0b07-7292-905e-953236990c43" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-797c-8bdd-c1b7686e9491" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_019e3bc1-0b07-7292-905e-953236990c43" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_019f3d45-9231-7043-8982-1a32bf34d56e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-797c-8bdd-c1b7686e9491" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_019f3d45-9231-7043-8982-1a32bf34d56e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019f477e-3199-7936-aee8-46eec03afbba" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-797c-8bdd-c1b7686e9491" xlink:to="loc_us-gaap_PaymentsForProceedsFromOtherInvestingActivities_019f477e-3199-7936-aee8-46eec03afbba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-7fd1-beef-c5a2aab4fd7e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeposits_019e3bc1-0b07-711e-8a70-434fcc64fb22" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInDeposits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-7fd1-beef-c5a2aab4fd7e" xlink:to="loc_us-gaap_IncreaseDecreaseInDeposits_019e3bc1-0b07-711e-8a70-434fcc64fb22" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt_019e3bc1-0b07-7c1b-b1d5-d6ce75bbb6b6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfSecuredDebt"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-7fd1-beef-c5a2aab4fd7e" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt_019e3bc1-0b07-7c1b-b1d5-d6ce75bbb6b6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfSecuredDebt_019e3bc1-0b07-7f13-9ea1-762df5807ccf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfSecuredDebt"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-7fd1-beef-c5a2aab4fd7e" xlink:to="loc_us-gaap_RepaymentsOfSecuredDebt_019e3bc1-0b07-7f13-9ea1-762df5807ccf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfOtherDebt_019e3bc1-0b07-702d-b919-c994223b3b80" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromRepaymentsOfOtherDebt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-7fd1-beef-c5a2aab4fd7e" xlink:to="loc_us-gaap_ProceedsFromRepaymentsOfOtherDebt_019e3bc1-0b07-702d-b919-c994223b3b80" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_019e3bc1-0b07-7312-a5b7-fd35ef478ada" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-7fd1-beef-c5a2aab4fd7e" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_019e3bc1-0b07-7312-a5b7-fd35ef478ada" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_019e3bc1-0b07-7310-9a38-6cfbb48944f9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-7fd1-beef-c5a2aab4fd7e" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_019e3bc1-0b07-7310-9a38-6cfbb48944f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_019e3bc1-0b07-7614-82ae-3564ef5cad6e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-7fd1-beef-c5a2aab4fd7e" xlink:to="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_019e3bc1-0b07-7614-82ae-3564ef5cad6e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_PaymentsForRedemptionOfPreferredStock_019e3bc1-0b07-77cf-81b3-61e577ec2873" xlink:href="cof-20260630.xsd#cof_PaymentsForRedemptionOfPreferredStock"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-7fd1-beef-c5a2aab4fd7e" xlink:to="loc_cof_PaymentsForRedemptionOfPreferredStock_019e3bc1-0b07-77cf-81b3-61e577ec2873" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019f3d41-a038-76dd-9da9-81b2bd6efff6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-7fd1-beef-c5a2aab4fd7e" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019f3d41-a038-76dd-9da9-81b2bd6efff6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockPlans_019f3d41-a038-7162-9e2d-acce2cc7e583" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromStockPlans"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-7fd1-beef-c5a2aab4fd7e" xlink:to="loc_us-gaap_ProceedsFromStockPlans_019f3d41-a038-7162-9e2d-acce2cc7e583" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019e3bc1-0b07-724e-8646-3c9357299bc8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-7056-ba85-b0fab08e73af" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019e3bc1-0b07-724e-8646-3c9357299bc8" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019e3bc1-0b07-7056-ba85-b0fab08e73af" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-7a3c-9aae-1e2da9e99b1f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019e3bc1-0b07-724e-8646-3c9357299bc8" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-7a3c-9aae-1e2da9e99b1f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-78a0-8273-a1fb3e20d93a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019e3bc1-0b07-724e-8646-3c9357299bc8" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019e3bc1-0b07-78a0-8273-a1fb3e20d93a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e3bc1-0b07-738f-af4e-87a3edfcae8f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_NetIncomeLoss_019e3bc1-0b07-738f-af4e-87a3edfcae8f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019e3bc1-0b07-7dbc-9c76-73a9ac2261c4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019e3bc1-0b07-7dbc-9c76-73a9ac2261c4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAndAmortization_019e3bc1-0b07-77f8-9043-1ec08e7c92eb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationAndAmortization"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_DepreciationAndAmortization_019e3bc1-0b07-77f8-9043-1ec08e7c92eb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019e3bc1-0b07-7be8-9194-90df0426be95" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_019e3bc1-0b07-7be8-9194-90df0426be95" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_019e3bc1-0b07-72f9-ab16-4b7a13db7f8c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_ShareBasedCompensation_019e3bc1-0b07-72f9-ab16-4b7a13db7f8c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoncashIncomeExpense_019e3bc1-0b07-7a84-bb6d-7862e59d9518" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherNoncashIncomeExpense"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_OtherNoncashIncomeExpense_019e3bc1-0b07-7a84-bb6d-7862e59d9518" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_019e3bc1-0b07-706e-b9ce-4302d1f9d92d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale_019e3bc1-0b07-706e-b9ce-4302d1f9d92d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale_019e3bc1-0b07-77cd-9a4a-08e53e642d26" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale_019e3bc1-0b07-77cd-9a4a-08e53e642d26" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_019e3bc1-0b07-70e6-a2cb-2c9a1b75710a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_019e3bc1-0b07-70e6-a2cb-2c9a1b75710a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019e3bc1-0b07-7793-b051-67b3ac13450a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019e3bc1-0b07-7793-b051-67b3ac13450a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_019e3bc1-0b07-7958-9480-625172347756" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_IncreaseDecreaseInInterestPayableNet_019e3bc1-0b07-7958-9480-625172347756" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_019e3bc1-0b07-7999-93dc-ffbb97d84786" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_019e3bc1-0b07-7999-93dc-ffbb97d84786" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_019f3d42-6b8b-79fc-a981-0e86491af523" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019e3bc1-0b07-75ae-9da7-62616203653b" xlink:to="loc_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_019f3d42-6b8b-79fc-a981-0e86491af523" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/BusinessCombinationsBusinessCombinationDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#BusinessCombinationsBusinessCombinationDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/BusinessCombinationsBusinessCombinationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019fa439-0918-7adf-a66b-9de0b7e5f4e9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_019fa439-0918-7dfa-a2c3-77d57e049a16" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019fa439-0918-7adf-a66b-9de0b7e5f4e9" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_019fa439-0918-7dfa-a2c3-77d57e049a16" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesGross_019fa439-0918-744b-bcbe-61c64cab03c0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireBusinessesGross"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019fa439-0918-7adf-a66b-9de0b7e5f4e9" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesGross_019fa439-0918-744b-bcbe-61c64cab03c0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_019f9408-9bc1-77b8-8cb3-1edb95660a08" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019f9408-9bc1-70a5-b706-47c9257377e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_019f9408-9bc1-77b8-8cb3-1edb95660a08" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019f9408-9bc1-70a5-b706-47c9257377e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019f9408-9bc1-75d5-be66-b017989baa56" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_019f9408-9bc1-77b8-8cb3-1edb95660a08" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019f9408-9bc1-75d5-be66-b017989baa56" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/InvestmentSecuritiesSecuritiesinGrossUnrealizedLossPositionDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#InvestmentSecuritiesSecuritiesinGrossUnrealizedLossPositionDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/InvestmentSecuritiesSecuritiesinGrossUnrealizedLossPositionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019e3bc1-0bec-7ecf-8334-6c3e91208042" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e3bc1-0bec-7e79-aaf2-47128b9a5607" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019e3bc1-0bec-7ecf-8334-6c3e91208042" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e3bc1-0bec-7e79-aaf2-47128b9a5607" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e3bc1-0bec-7c82-94b4-c7b2d409a117" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019e3bc1-0bec-7ecf-8334-6c3e91208042" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e3bc1-0bec-7c82-94b4-c7b2d409a117" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019e3bc1-0bec-7e67-b485-a747de63e20b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019e3bc1-0bec-7e15-9197-ae0fc6f80917" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019e3bc1-0bec-7e67-b485-a747de63e20b" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019e3bc1-0bec-7e15-9197-ae0fc6f80917" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019e3bc1-0bec-716e-83fb-9ae8ee337970" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019e3bc1-0bec-7e67-b485-a747de63e20b" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019e3bc1-0bec-716e-83fb-9ae8ee337970" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/InvestmentSecuritiesContractualMaturitiesandWeightedAverageYieldsofSecuritiesDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#InvestmentSecuritiesContractualMaturitiesandWeightedAverageYieldsofSecuritiesDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/InvestmentSecuritiesContractualMaturitiesandWeightedAverageYieldsofSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-7e91-b328-7ef55077a5a5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_019e3bc1-0bec-7659-afc5-16914dd61f3f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-7e91-b328-7ef55077a5a5" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis_019e3bc1-0bec-7659-afc5-16914dd61f3f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_019e3bc1-0bec-724f-b959-84320fea4b54" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-7e91-b328-7ef55077a5a5" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis_019e3bc1-0bec-724f-b959-84320fea4b54" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_019e3bc1-0bec-7321-912b-8d7325d23c85" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-7e91-b328-7ef55077a5a5" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis_019e3bc1-0bec-7321-912b-8d7325d23c85" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_019e3bc1-0bec-77e0-9e9f-39fb7cc53802" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-7e91-b328-7ef55077a5a5" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis_019e3bc1-0bec-77e0-9e9f-39fb7cc53802" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue_019e3bc1-0bec-74df-80ed-ef16bd3f0d49" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_019e3bc1-0bec-7b68-a6f6-25e2464dc078" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue_019e3bc1-0bec-74df-80ed-ef16bd3f0d49" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_019e3bc1-0bec-7b68-a6f6-25e2464dc078" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019e3bc1-0bec-7c47-b71a-9e634fe1f25a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue_019e3bc1-0bec-74df-80ed-ef16bd3f0d49" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_019e3bc1-0bec-7c47-b71a-9e634fe1f25a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019e3bc1-0bec-73ea-a962-d0f4b189f65b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue_019e3bc1-0bec-74df-80ed-ef16bd3f0d49" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_019e3bc1-0bec-73ea-a962-d0f4b189f65b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_019e3bc1-0bec-71de-a8bf-0bb5473ccc88" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue_019e3bc1-0bec-74df-80ed-ef16bd3f0d49" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_019e3bc1-0bec-71de-a8bf-0bb5473ccc88" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-7961-b277-b8bff4810701" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_019e3bc1-0bec-752e-a492-35134465e4ad" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-7961-b277-b8bff4810701" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_019e3bc1-0bec-752e-a492-35134465e4ad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_019e3bc1-0bec-74d3-b798-bf2f37404711" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-7961-b277-b8bff4810701" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_019e3bc1-0bec-74d3-b798-bf2f37404711" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_019e3bc1-0bec-7758-9344-d0907c825370" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-7961-b277-b8bff4810701" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_019e3bc1-0bec-7758-9344-d0907c825370" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue_019e3bc1-0bec-7ef8-938d-7108f4600926" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-7961-b277-b8bff4810701" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue_019e3bc1-0bec-7ef8-938d-7108f4600926" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e3bc1-0bec-739d-b895-96d79707f795" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_019e3bc1-0bec-792f-879f-8736aa245f02" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e3bc1-0bec-739d-b895-96d79707f795" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue_019e3bc1-0bec-792f-879f-8736aa245f02" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_019e3bc1-0bec-744f-b354-34d3377b053b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e3bc1-0bec-739d-b895-96d79707f795" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue_019e3bc1-0bec-744f-b354-34d3377b053b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_019e3bc1-0bec-76f5-8336-59f657e9cf26" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e3bc1-0bec-739d-b895-96d79707f795" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue_019e3bc1-0bec-76f5-8336-59f657e9cf26" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_019e3bc1-0bec-72ad-9e24-9b31f323c5eb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e3bc1-0bec-739d-b895-96d79707f795" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue_019e3bc1-0bec-72ad-9e24-9b31f323c5eb" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/LoansConsumerBankingPortfoliobyCreditQualityIndicatorDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#LoansConsumerBankingPortfoliobyCreditQualityIndicatorDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/LoansConsumerBankingPortfoliobyCreditQualityIndicatorDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans_019e3bc1-0bec-7c3d-b5d0-2cf6a8742026" xlink:href="cof-20260630.xsd#cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019e3bc1-0bec-79d1-b1fa-3c926111e7f1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans_019e3bc1-0bec-7c3d-b5d0-2cf6a8742026" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019e3bc1-0bec-79d1-b1fa-3c926111e7f1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019e3bc1-0bec-7f15-bcb8-8fb0dc960d0d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans_019e3bc1-0bec-7c3d-b5d0-2cf6a8742026" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019e3bc1-0bec-7f15-bcb8-8fb0dc960d0d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019e3bc1-0bec-7f2b-a581-eaa5474c8baa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans_019e3bc1-0bec-7c3d-b5d0-2cf6a8742026" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019e3bc1-0bec-7f2b-a581-eaa5474c8baa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019e3bc1-0bec-771c-aa66-6280b79e980e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans_019e3bc1-0bec-7c3d-b5d0-2cf6a8742026" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019e3bc1-0bec-771c-aa66-6280b79e980e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019e3bc1-0bec-799d-9175-6f119a418955" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans_019e3bc1-0bec-7c3d-b5d0-2cf6a8742026" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019e3bc1-0bec-799d-9175-6f119a418955" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019e3bc1-0bec-7455-a099-afb6d2552576" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans_019e3bc1-0bec-7c3d-b5d0-2cf6a8742026" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019e3bc1-0bec-7455-a099-afb6d2552576" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-79f5-a98e-200720a50d19" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_019e3bc1-0bec-7593-aaaa-9a2613dde2ca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-79f5-a98e-200720a50d19" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_019e3bc1-0bec-7593-aaaa-9a2613dde2ca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_019e3bc1-0bec-7d07-b99b-f72fa44c4ca9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-79f5-a98e-200720a50d19" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_019e3bc1-0bec-7d07-b99b-f72fa44c4ca9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans_019e3bc1-0bec-7c23-a04b-563f4e139121" xlink:href="cof-20260630.xsd#cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e3bc1-0bec-79f5-a98e-200720a50d19" xlink:to="loc_cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossTermLoans_019e3bc1-0bec-7c23-a04b-563f4e139121" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/AllowanceforCreditLossesandReserveforUnfundedLendingCommitmentsAllowanceforCreditLossesandReserveforUnfundedLendingCommitmentsActivityDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#AllowanceforCreditLossesandReserveforUnfundedLendingCommitmentsAllowanceforCreditLossesandReserveforUnfundedLendingCommitmentsActivityDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/AllowanceforCreditLossesandReserveforUnfundedLendingCommitmentsAllowanceforCreditLossesandReserveforUnfundedLendingCommitmentsActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery_019e3bc1-0bec-7e63-a75a-eaeba9ed6c4f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_019e3bc1-0bec-7fbc-b000-a3fd3501cbd2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery_019e3bc1-0bec-7e63-a75a-eaeba9ed6c4f" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_019e3bc1-0bec-7fbc-b000-a3fd3501cbd2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_019e3bc1-0bec-7d80-88b5-31546a24f533" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery_019e3bc1-0bec-7e63-a75a-eaeba9ed6c4f" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_019e3bc1-0bec-7d80-88b5-31546a24f533" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease_019e3bc1-0bec-781e-a4f7-1226e0dc857d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery_019e3bc1-0bec-7a8e-8ba1-9d4f34684e8d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease_019e3bc1-0bec-781e-a4f7-1226e0dc857d" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery_019e3bc1-0bec-7a8e-8ba1-9d4f34684e8d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_FinancingReceivableAllowanceForCreditLossTranslationAdjustmentsAndPurchaseCreditDeterioratedLoans_019e3bc1-0bec-7fa7-bcaa-e8a58ca6bdd5" xlink:href="cof-20260630.xsd#cof_FinancingReceivableAllowanceForCreditLossTranslationAdjustmentsAndPurchaseCreditDeterioratedLoans"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease_019e3bc1-0bec-781e-a4f7-1226e0dc857d" xlink:to="loc_cof_FinancingReceivableAllowanceForCreditLossTranslationAdjustmentsAndPurchaseCreditDeterioratedLoans_019e3bc1-0bec-7fa7-bcaa-e8a58ca6bdd5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRecoveriesOfLoanPreviouslyChargedOff_019f85fd-1b61-7f15-a0dc-469cd4563bbc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromRecoveriesOfLoanPreviouslyChargedOff"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease_019e3bc1-0bec-781e-a4f7-1226e0dc857d" xlink:to="loc_us-gaap_ProceedsFromRecoveriesOfLoanPreviouslyChargedOff_019f85fd-1b61-7f15-a0dc-469cd4563bbc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019f85fd-1b61-7056-b4f9-7c890c676d56" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease_019e3bc1-0bec-781e-a4f7-1226e0dc857d" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019f85fd-1b61-7056-b4f9-7c890c676d56" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/AllowanceforCreditLossesandReserveforUnfundedLendingCommitmentsChargeOffsDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#AllowanceforCreditLossesandReserveforUnfundedLendingCommitmentsChargeOffsDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/AllowanceforCreditLossesandReserveforUnfundedLendingCommitmentsChargeOffsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019e3bc1-0bec-7ee6-8d57-545afb8c72fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_FinancingReceivableExcludingAccruedInterestTermWriteoff_019e3bc1-0bec-7ea8-b8ef-bf8b62d9a941" xlink:href="cof-20260630.xsd#cof_FinancingReceivableExcludingAccruedInterestTermWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019e3bc1-0bec-7ee6-8d57-545afb8c72fd" xlink:to="loc_cof_FinancingReceivableExcludingAccruedInterestTermWriteoff_019e3bc1-0bec-7ea8-b8ef-bf8b62d9a941" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_019e3bc1-0bec-7764-ade8-b15baffafc11" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019e3bc1-0bec-7ee6-8d57-545afb8c72fd" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_019e3bc1-0bec-7764-ade8-b15baffafc11" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_019e3bc1-0bec-77fe-8542-e16f2ff5539e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019e3bc1-0bec-7ee6-8d57-545afb8c72fd" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_019e3bc1-0bec-77fe-8542-e16f2ff5539e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_FinancingReceivableExcludingAccruedInterestTermWriteoff_019e3bc1-0bec-7995-9288-d0f8a522bf63" xlink:href="cof-20260630.xsd#cof_FinancingReceivableExcludingAccruedInterestTermWriteoff"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019e3bc1-0bec-7508-a568-21485a63608d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_FinancingReceivableExcludingAccruedInterestTermWriteoff_019e3bc1-0bec-7995-9288-d0f8a522bf63" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019e3bc1-0bec-7508-a568-21485a63608d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019e3bc1-0bec-7094-9555-628404247005" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_FinancingReceivableExcludingAccruedInterestTermWriteoff_019e3bc1-0bec-7995-9288-d0f8a522bf63" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019e3bc1-0bec-7094-9555-628404247005" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019e3bc1-0bec-7dfd-a843-2c6a9de938ff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_FinancingReceivableExcludingAccruedInterestTermWriteoff_019e3bc1-0bec-7995-9288-d0f8a522bf63" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019e3bc1-0bec-7dfd-a843-2c6a9de938ff" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019e3bc1-0bec-7b04-b25a-ae5ac11c9782" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_FinancingReceivableExcludingAccruedInterestTermWriteoff_019e3bc1-0bec-7995-9288-d0f8a522bf63" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019e3bc1-0bec-7b04-b25a-ae5ac11c9782" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019e3bc1-0bec-7b4e-9ccc-d3cb6f774145" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_FinancingReceivableExcludingAccruedInterestTermWriteoff_019e3bc1-0bec-7995-9288-d0f8a522bf63" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019e3bc1-0bec-7b4e-9ccc-d3cb6f774145" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019e3bc1-0bec-7a60-8ce5-757023cda615" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_FinancingReceivableExcludingAccruedInterestTermWriteoff_019e3bc1-0bec-7995-9288-d0f8a522bf63" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019e3bc1-0bec-7a60-8ce5-757023cda615" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/GoodwillandOtherIntangibleAssetsComponentsDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#GoodwillandOtherIntangibleAssetsComponentsDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/GoodwillandOtherIntangibleAssetsComponentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtAmortizedValue_019e3bc1-0bec-73b9-98f6-72e7615f8b41" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ServicingAssetAtAmortizedValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_MortgageServicingAssetatAmortizedCostGross_019e3bc1-0bec-72dd-80e1-ffd6727ee11a" xlink:href="cof-20260630.xsd#cof_MortgageServicingAssetatAmortizedCostGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_019e3bc1-0bec-73b9-98f6-72e7615f8b41" xlink:to="loc_cof_MortgageServicingAssetatAmortizedCostGross_019e3bc1-0bec-72dd-80e1-ffd6727ee11a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_ServicingAssetatAmortizedCostAccumulatedAmortization_019e3bc1-0bec-7776-a3d5-de97e88be537" xlink:href="cof-20260630.xsd#cof_ServicingAssetatAmortizedCostAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_019e3bc1-0bec-73b9-98f6-72e7615f8b41" xlink:to="loc_cof_ServicingAssetatAmortizedCostAccumulatedAmortization_019e3bc1-0bec-7776-a3d5-de97e88be537" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_019e3bc1-0bec-7c31-af13-f1df2ae3d334" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019e3bc1-0bec-75ed-8503-efe4bee20c29" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_019e3bc1-0bec-7c31-af13-f1df2ae3d334" xlink:to="loc_us-gaap_Goodwill_019e3bc1-0bec-75ed-8503-efe4bee20c29" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e3bc1-0bec-7779-a591-3a0a22d8b63f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_019e3bc1-0bec-7c31-af13-f1df2ae3d334" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e3bc1-0bec-7779-a591-3a0a22d8b63f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e3bc1-0bec-72d3-8ec0-31c1fcadb591" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019e3bc1-0bec-7499-be34-43ef7c81d079" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e3bc1-0bec-72d3-8ec0-31c1fcadb591" xlink:to="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019e3bc1-0bec-7499-be34-43ef7c81d079" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019e3bc1-0bec-7a64-972a-8b592764c25b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e3bc1-0bec-72d3-8ec0-31c1fcadb591" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019e3bc1-0bec-7a64-972a-8b592764c25b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_IntangibleAssetsGrossIncludingGoodwill_019e3bc1-0bec-7588-a0bf-2b35c10a38be" xlink:href="cof-20260630.xsd#cof_IntangibleAssetsGrossIncludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillGross_019e3bc1-0bec-777d-b801-6f823a34b4f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GoodwillGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_IntangibleAssetsGrossIncludingGoodwill_019e3bc1-0bec-7588-a0bf-2b35c10a38be" xlink:to="loc_us-gaap_GoodwillGross_019e3bc1-0bec-777d-b801-6f823a34b4f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019e3bc1-0bec-7894-bc67-3a90c4abfb30" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_IntangibleAssetsGrossIncludingGoodwill_019e3bc1-0bec-7588-a0bf-2b35c10a38be" xlink:to="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019e3bc1-0bec-7894-bc67-3a90c4abfb30" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/GoodwillandOtherIntangibleAssetsActualandEstimatedFutureAmortizationExpenseDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#GoodwillandOtherIntangibleAssetsActualandEstimatedFutureAmortizationExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/GoodwillandOtherIntangibleAssetsActualandEstimatedFutureAmortizationExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019e3bc1-0bec-7206-ab18-ddcee2e132a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_019e3bc1-0bec-7b0a-90e5-98a33f57e4f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019e3bc1-0bec-7206-ab18-ddcee2e132a8" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_019e3bc1-0bec-7b0a-90e5-98a33f57e4f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_019e3bc1-0bec-7685-bc16-6956ef1e4300" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019e3bc1-0bec-7206-ab18-ddcee2e132a8" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_019e3bc1-0bec-7685-bc16-6956ef1e4300" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_019e3bc1-0bec-78ff-b68f-e4be8710d9f4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019e3bc1-0bec-7206-ab18-ddcee2e132a8" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_019e3bc1-0bec-78ff-b68f-e4be8710d9f4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_019e3bc1-0bec-7d85-a79b-9b19cafd946b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019e3bc1-0bec-7206-ab18-ddcee2e132a8" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_019e3bc1-0bec-7d85-a79b-9b19cafd946b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_019e3bc1-0bec-79a2-ba42-5af5d64fd016" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019e3bc1-0bec-7206-ab18-ddcee2e132a8" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_019e3bc1-0bec-79a2-ba42-5af5d64fd016" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_019e3bc1-0bec-7a21-9840-ae198c1ba073" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019e3bc1-0bec-7206-ab18-ddcee2e132a8" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_019e3bc1-0bec-7a21-9840-ae198c1ba073" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_019e3bc1-0bec-7e5e-a8ef-e2f15585ed3c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019e3bc1-0bec-7206-ab18-ddcee2e132a8" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive_019e3bc1-0bec-7e5e-a8ef-e2f15585ed3c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/DerivativeInstrumentsandHedgingActivitiesDerivativeAssetsandLiabilitiesatFairValueDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#DerivativeInstrumentsandHedgingActivitiesDerivativeAssetsandLiabilitiesatFairValueDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/DerivativeInstrumentsandHedgingActivitiesDerivativeAssetsandLiabilitiesatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019e3bc1-0cc0-74f1-a1f6-317af55433f0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019e3bc1-0cc0-7132-bf23-d20df4ea9877" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_019e3bc1-0cc0-74f1-a1f6-317af55433f0" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019e3bc1-0cc0-7132-bf23-d20df4ea9877" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_019e3bc1-0cc0-75ba-8c43-4f0a4c41bfd4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_019e3bc1-0cc0-74f1-a1f6-317af55433f0" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAssetAndRightToReclaimCashOffset_019e3bc1-0cc0-75ba-8c43-4f0a4c41bfd4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019e3bc1-0cc0-793d-b015-c47d71502a0d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019e3bc1-0cc0-753f-8251-de8adc0b1cfe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_019e3bc1-0cc0-793d-b015-c47d71502a0d" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019e3bc1-0cc0-753f-8251-de8adc0b1cfe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_019e3bc1-0cc0-71ce-ba4e-4e4ae0d1febd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_019e3bc1-0cc0-793d-b015-c47d71502a0d" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiabilityAndObligationToReturnCashOffset_019e3bc1-0cc0-71ce-ba4e-4e4ae0d1febd" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/DerivativeInstrumentsandHedgingActivitiesOffsettingAssetsDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#DerivativeInstrumentsandHedgingActivitiesOffsettingAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/DerivativeInstrumentsandHedgingActivitiesOffsettingAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019e3bc1-0cc0-70b2-afa0-5a86f83261c4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019e3bc1-0cc0-7861-a5d5-21cbc8014ed7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019e3bc1-0cc0-70b2-afa0-5a86f83261c4" xlink:to="loc_us-gaap_DerivativeAssets_019e3bc1-0cc0-7861-a5d5-21cbc8014ed7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueOfCollateral_019e3bc1-0cc0-732a-a218-96620c8ecea8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetFairValueOfCollateral"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019e3bc1-0cc0-70b2-afa0-5a86f83261c4" xlink:to="loc_us-gaap_DerivativeAssetFairValueOfCollateral_019e3bc1-0cc0-732a-a218-96620c8ecea8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019e3bc1-0cc0-7d1f-8b4f-d6b129fbd829" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019e3bc1-0cc0-70ce-9bbf-179cc73ee791" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_019e3bc1-0cc0-7d1f-8b4f-d6b129fbd829" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019e3bc1-0cc0-70ce-9bbf-179cc73ee791" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability_019e3bc1-0cc0-7d5e-8722-d40543a94322" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_019e3bc1-0cc0-7d1f-8b4f-d6b129fbd829" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiability_019e3bc1-0cc0-7d5e-8722-d40543a94322" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_019e3bc1-0cc0-7d44-8326-319d3c584ed0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_019e3bc1-0cc0-7d1f-8b4f-d6b129fbd829" xlink:to="loc_us-gaap_DerivativeAssetCollateralObligationToReturnCashOffset_019e3bc1-0cc0-7d44-8326-319d3c584ed0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/DerivativeInstrumentsandHedgingActivitiesOffsettingLiabilitiesDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#DerivativeInstrumentsandHedgingActivitiesOffsettingLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/DerivativeInstrumentsandHedgingActivitiesOffsettingLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019e3bc1-0cc0-72cf-b0a4-1099300a34f0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross_019e3bc1-0cc0-70e5-a566-ac8a0d36526c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019e3bc1-0cc0-72cf-b0a4-1099300a34f0" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseGross_019e3bc1-0cc0-70e5-a566-ac8a0d36526c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset_019e3bc1-0cc0-77d9-b086-c1405392a615" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019e3bc1-0cc0-72cf-b0a4-1099300a34f0" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAsset_019e3bc1-0cc0-77d9-b086-c1405392a615" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_RepurchaseAgreementCollateralRightToReclaimCashOffset_019e3bc1-0cc0-74fe-97d2-b60a6586afa9" xlink:href="cof-20260630.xsd#cof_RepurchaseAgreementCollateralRightToReclaimCashOffset"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019e3bc1-0cc0-72cf-b0a4-1099300a34f0" xlink:to="loc_cof_RepurchaseAgreementCollateralRightToReclaimCashOffset_019e3bc1-0cc0-74fe-97d2-b60a6586afa9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019e3bc1-0cc0-7d42-a589-d72535237bfe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019e3bc1-0cc0-74b2-b05c-438bb7132249" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_019e3bc1-0cc0-7d42-a589-d72535237bfe" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019e3bc1-0cc0-74b2-b05c-438bb7132249" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_019e3bc1-0cc0-71da-b782-7282f536a801" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_019e3bc1-0cc0-7d42-a589-d72535237bfe" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_019e3bc1-0cc0-71da-b782-7282f536a801" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset_019e3bc1-0cc0-7215-b9cd-cae9140c283c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_019e3bc1-0cc0-7d42-a589-d72535237bfe" xlink:to="loc_us-gaap_DerivativeLiabilityCollateralRightToReclaimCashOffset_019e3bc1-0cc0-7215-b9cd-cae9140c283c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019e3bc1-0cc0-709f-a5de-3f6752650385" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019e3bc1-0cc0-7154-af2d-67a7f6aca14f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019e3bc1-0cc0-709f-a5de-3f6752650385" xlink:to="loc_us-gaap_DerivativeLiabilities_019e3bc1-0cc0-7154-af2d-67a7f6aca14f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueOfCollateral_019e3bc1-0cc0-7f20-9265-9b59aca3f7c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityFairValueOfCollateral"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019e3bc1-0cc0-709f-a5de-3f6752650385" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueOfCollateral_019e3bc1-0cc0-7f20-9265-9b59aca3f7c5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral_019e3bc1-0cc0-7ec3-8750-7e0215a85df5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019e3bc1-0cc0-7b6f-8562-ca0c7dab06b1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral_019e3bc1-0cc0-7ec3-8750-7e0215a85df5" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019e3bc1-0cc0-7b6f-8562-ca0c7dab06b1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities_019e3bc1-0cc0-7513-9558-bd9d6a728b83" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseAmountOffsetAgainstCollateral_019e3bc1-0cc0-7ec3-8750-7e0215a85df5" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseCollateralRightToReclaimSecurities_019e3bc1-0cc0-7513-9558-bd9d6a728b83" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/StockholdersEquityAccumulatedOtherComprehensiveIncomeLossDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#StockholdersEquityAccumulatedOtherComprehensiveIncomeLossDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/StockholdersEquityAccumulatedOtherComprehensiveIncomeLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0cc0-7f43-a92e-46ebc02654c6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019e3bc1-0cc0-73c2-b468-20f6daf28c1d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0cc0-7f43-a92e-46ebc02654c6" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_019e3bc1-0cc0-73c2-b468-20f6daf28c1d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019e3bc1-0cc0-7c50-9391-27f205052897" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0cc0-7f43-a92e-46ebc02654c6" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_019e3bc1-0cc0-7c50-9391-27f205052897" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/StockholdersEquityOtherComprehensiveIncomeDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#StockholdersEquityOtherComprehensiveIncomeDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/StockholdersEquityOtherComprehensiveIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-723e-babc-65546436ca57" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_OtherComprehensiveIncomeLossBeforeTaxAttributableToParent_019e3bc1-0cc0-7450-9916-bb00e28ef2b3" xlink:href="cof-20260630.xsd#cof_OtherComprehensiveIncomeLossBeforeTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-723e-babc-65546436ca57" xlink:to="loc_cof_OtherComprehensiveIncomeLossBeforeTaxAttributableToParent_019e3bc1-0cc0-7450-9916-bb00e28ef2b3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-727a-b492-cb558b79c32f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-723e-babc-65546436ca57" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-727a-b492-cb558b79c32f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_019e3bc1-0cc0-7525-959f-3d1e17dff5ef" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-723e-babc-65546436ca57" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_019e3bc1-0cc0-7525-959f-3d1e17dff5ef" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-78dc-9596-64c0f5be96ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentBeforeTaxPortionAttributableToParent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-723e-babc-65546436ca57" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-78dc-9596-64c0f5be96ea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_019e3bc1-0cc0-7471-a875-8b745effada4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentTaxPortionAttributableToParent_019e3bc1-0cc0-7f8c-a15e-7ee207dad34b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_019e3bc1-0cc0-7471-a875-8b745effada4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentTaxPortionAttributableToParent_019e3bc1-0cc0-7f8c-a15e-7ee207dad34b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-72d6-86f5-7acce464152f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentBeforeTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_019e3bc1-0cc0-7471-a875-8b745effada4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-72d6-86f5-7acce464152f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent_019e3bc1-0cc0-7d7a-8b91-a592884d13cf" xlink:href="cof-20260630.xsd#cof_OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_OtherComprehensiveIncomeLossOtherTaxAttributableToParent_019e3bc1-0cc0-7f37-a0a7-d6505d9b1187" xlink:href="cof-20260630.xsd#cof_OtherComprehensiveIncomeLossOtherTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent_019e3bc1-0cc0-7d7a-8b91-a592884d13cf" xlink:to="loc_cof_OtherComprehensiveIncomeLossOtherTaxAttributableToParent_019e3bc1-0cc0-7f37-a0a7-d6505d9b1187" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_OtherComprehensiveIncomeLossBeforeTaxAttributableToParent_019e3bc1-0cc0-7edb-85dd-872d4409802b" xlink:href="cof-20260630.xsd#cof_OtherComprehensiveIncomeLossBeforeTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent_019e3bc1-0cc0-7d7a-8b91-a592884d13cf" xlink:to="loc_cof_OtherComprehensiveIncomeLossBeforeTaxAttributableToParent_019e3bc1-0cc0-7edb-85dd-872d4409802b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019e3bc1-0cc0-7925-b6b9-82774556c1d0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_OtherComprehensiveIncomeLossOtherTaxAttributableToParent_019e3bc1-0cc0-737f-86cc-372b0599f03c" xlink:href="cof-20260630.xsd#cof_OtherComprehensiveIncomeLossOtherTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019e3bc1-0cc0-7925-b6b9-82774556c1d0" xlink:to="loc_cof_OtherComprehensiveIncomeLossOtherTaxAttributableToParent_019e3bc1-0cc0-737f-86cc-372b0599f03c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax_019e3bc1-0cc0-7ec7-86be-59bffbdc0e13" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019e3bc1-0cc0-7925-b6b9-82774556c1d0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax_019e3bc1-0cc0-7ec7-86be-59bffbdc0e13" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent_019e3bc1-0cc0-7198-8ee8-92a7768e19e0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019e3bc1-0cc0-7925-b6b9-82774556c1d0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent_019e3bc1-0cc0-7198-8ee8-92a7768e19e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentTaxPortionAttributableToParent_019e3bc1-0cc0-7a13-9b56-e25e4e096315" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentTaxPortionAttributableToParent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019e3bc1-0cc0-7925-b6b9-82774556c1d0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTranslationAdjustmentTaxPortionAttributableToParent_019e3bc1-0cc0-7a13-9b56-e25e4e096315" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019e3bc1-0cc0-77da-8850-b0961e0236f0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_019e3bc1-0cc0-761d-8a9f-a3984539d018" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019e3bc1-0cc0-77da-8850-b0961e0236f0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_019e3bc1-0cc0-761d-8a9f-a3984539d018" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax_019e3bc1-0cc0-78ad-80ee-a66121a77178" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019e3bc1-0cc0-77da-8850-b0961e0236f0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax_019e3bc1-0cc0-78ad-80ee-a66121a77178" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_019e3bc1-0cc0-7cff-b36e-93cff265f29d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent_019e3bc1-0cc0-744d-b836-d5e72cf2fb89" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_019e3bc1-0cc0-7cff-b36e-93cff265f29d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent_019e3bc1-0cc0-744d-b836-d5e72cf2fb89" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-7a79-b9ca-77668afe1dc3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent_019e3bc1-0cc0-7cff-b36e-93cff265f29d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-7a79-b9ca-77668afe1dc3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0cc0-778b-83af-69466da79a2b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-7a5a-b620-ff5450b96423" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0cc0-778b-83af-69466da79a2b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_019e3bc1-0cc0-7a5a-b620-ff5450b96423" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019e3bc1-0cc0-70e9-8e87-42221dafe0ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_019e3bc1-0cc0-778b-83af-69466da79a2b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_019e3bc1-0cc0-70e9-8e87-42221dafe0ce" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/EarningsPerCommonShareComputationofBasicandDilutedEarningsPerCommonShareDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#EarningsPerCommonShareComputationofBasicandDilutedEarningsPerCommonShareDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/EarningsPerCommonShareComputationofBasicandDilutedEarningsPerCommonShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019e3bc1-0cc0-71ff-b78c-83789b01c747" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToContingentlyIssuableShares_019e3bc1-0cc0-7b46-aaea-db0ab5dfee80" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncrementalCommonSharesAttributableToContingentlyIssuableShares"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019e3bc1-0cc0-71ff-b78c-83789b01c747" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToContingentlyIssuableShares_019e3bc1-0cc0-7b46-aaea-db0ab5dfee80" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_019e3bc1-0cc0-70a4-8d75-71521ecdd77f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019e3bc1-0cc0-71ff-b78c-83789b01c747" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_019e3bc1-0cc0-70a4-8d75-71521ecdd77f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e3bc1-0cc0-7274-b341-37c7fbabf516" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e3bc1-0cc0-78ff-a6af-08d9f9775e13" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e3bc1-0cc0-7274-b341-37c7fbabf516" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e3bc1-0cc0-78ff-a6af-08d9f9775e13" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019e3bc1-0cc0-7cfa-ba50-3a0b7c4684a0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e3bc1-0cc0-7274-b341-37c7fbabf516" xlink:to="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019e3bc1-0cc0-7cfa-ba50-3a0b7c4684a0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/FairValueMeasurementAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#FairValueMeasurementAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/FairValueMeasurementAssetsandLiabilitiesMeasuredatFairValueonRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_019e3bc1-0cc1-70c4-8ecb-1659cec928de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019e3bc1-0cc1-7924-901a-9306be08ef10" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019e3bc1-0cc1-70c4-8ecb-1659cec928de" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossLiabilityIncludingNotSubjectToMasterNettingArrangement_019e3bc1-0cc1-7924-901a-9306be08ef10" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/FairValueMeasurementNonrecurringFairValueMeasurementsDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#FairValueMeasurementNonrecurringFairValueMeasurementsDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/FairValueMeasurementNonrecurringFairValueMeasurementsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019e3bc1-0cc1-7e0d-8147-afe830ea3683" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e3bc1-0cc1-7d25-8e6f-697dc8f9bb90" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019e3bc1-0cc1-7e0d-8147-afe830ea3683" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e3bc1-0cc1-7d25-8e6f-697dc8f9bb90" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019e3bc1-0cc1-7601-adba-6eba4938843a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019e3bc1-0cc1-7e0d-8147-afe830ea3683" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019e3bc1-0cc1-7601-adba-6eba4938843a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019e3bc1-0cc1-7896-a5a3-909342f3c175" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019e3bc1-0cc1-7e0d-8147-afe830ea3683" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossAssetIncludingNotSubjectToMasterNettingArrangement_019e3bc1-0cc1-7896-a5a3-909342f3c175" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure_019f8fdd-421f-7c50-99ab-716f98f74afc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsFairValueDisclosure"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019e3bc1-0cc1-7e0d-8147-afe830ea3683" xlink:to="loc_us-gaap_OtherAssetsFairValueDisclosure_019f8fdd-421f-7c50-99ab-716f98f74afc" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/FairValueMeasurementNonrecurringFairValueMeasurementsIncludedinEarningsDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#FairValueMeasurementNonrecurringFairValueMeasurementsIncludedinEarningsDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/FairValueMeasurementNonrecurringFairValueMeasurementsIncludedinEarningsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_cof_GainLossOnFairValueAssetsRecognizedInEarnings_019e3bc1-0cc1-725d-aa88-46deeb023e98" xlink:href="cof-20260630.xsd#cof_GainLossOnFairValueAssetsRecognizedInEarnings"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_GainLossOnFairValueLoansHeldForInvestmentRecognizedInEarnings_019e3bc1-0cc1-75e7-a9f9-171e3f0a74e7" xlink:href="cof-20260630.xsd#cof_GainLossOnFairValueLoansHeldForInvestmentRecognizedInEarnings"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_GainLossOnFairValueAssetsRecognizedInEarnings_019e3bc1-0cc1-725d-aa88-46deeb023e98" xlink:to="loc_cof_GainLossOnFairValueLoansHeldForInvestmentRecognizedInEarnings_019e3bc1-0cc1-75e7-a9f9-171e3f0a74e7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_GainLossOnFairValueOtherAssetsRecognizedInEarnings_019e3bc1-0cc1-7f58-a3a6-c99607f5ab1c" xlink:href="cof-20260630.xsd#cof_GainLossOnFairValueOtherAssetsRecognizedInEarnings"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_cof_GainLossOnFairValueAssetsRecognizedInEarnings_019e3bc1-0cc1-725d-aa88-46deeb023e98" xlink:to="loc_cof_GainLossOnFairValueOtherAssetsRecognizedInEarnings_019e3bc1-0cc1-7f58-a3a6-c99607f5ab1c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/BusinessSegmentsandRevenuefromContractswithCustomersSegmentResultsandReconciliationDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#BusinessSegmentsandRevenuefromContractswithCustomersSegmentResultsandReconciliationDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/BusinessSegmentsandRevenuefromContractswithCustomersSegmentResultsandReconciliationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e3bc1-0d81-7dc2-b6d5-a5e74350cad8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019e3bc1-0d81-7e08-8074-f9bc012ab221" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e3bc1-0d81-7dc2-b6d5-a5e74350cad8" xlink:to="loc_us-gaap_Revenues_019e3bc1-0d81-7e08-8074-f9bc012ab221" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_019e3bc1-0d81-7243-922f-214a9557c7c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestExpense"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e3bc1-0d81-7dc2-b6d5-a5e74350cad8" xlink:to="loc_us-gaap_NoninterestExpense_019e3bc1-0d81-7243-922f-214a9557c7c8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019e3bc1-0d81-7f26-89b4-782000950ae3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e3bc1-0d81-7dc2-b6d5-a5e74350cad8" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019e3bc1-0d81-7f26-89b4-782000950ae3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_019e3bc1-0d81-7cfd-9062-3a5feaa2c82b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019e3bc1-0d81-79b8-a479-2c202b1ecee8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019e3bc1-0d81-7cfd-9062-3a5feaa2c82b" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019e3bc1-0d81-79b8-a479-2c202b1ecee8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019e3bc1-0d81-7c6e-8f02-063050eeb4ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_019e3bc1-0d81-7cfd-9062-3a5feaa2c82b" xlink:to="loc_us-gaap_NoninterestIncome_019e3bc1-0d81-7c6e-8f02-063050eeb4ae" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.capitalone.com/role/BusinessSegmentsandRevenuefromContractswithCustomersRevenuefromContractswithCustomersDetails" xlink:type="simple" xlink:href="cof-20260630.xsd#BusinessSegmentsandRevenuefromContractswithCustomersRevenuefromContractswithCustomersDetails"/>
  <link:calculationLink xlink:role="http://www.capitalone.com/role/BusinessSegmentsandRevenuefromContractswithCustomersRevenuefromContractswithCustomersDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019e3bc1-0d81-7471-8233-2729dbd1e2aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019e3bc1-0d81-70ee-b531-c93f74992947" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e3bc1-0d81-7471-8233-2729dbd1e2aa" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_019e3bc1-0d81-70ee-b531-c93f74992947" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_cof_NoninterestIncomeExcludingRevenueFromContractWithCustomer_019e3bc1-0d81-7560-930a-7f327e118d4a" xlink:href="cof-20260630.xsd#cof_NoninterestIncomeExcludingRevenueFromContractWithCustomer"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019e3bc1-0d81-7471-8233-2729dbd1e2aa" xlink:to="loc_cof_NoninterestIncomeExcludingRevenueFromContractWithCustomer_019e3bc1-0d81-7560-930a-7f327e118d4a" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
