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  <xs:element id="cof_CommercialAndIndustrialMember" abstract="true" name="CommercialAndIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_DepositswithDefinedMaturities" abstract="false" name="DepositswithDefinedMaturities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_MeasurementInputSwapRatesMember" abstract="true" name="MeasurementInputSwapRatesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercisedAndRestrictedStockVesting" abstract="false" name="StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercisedAndRestrictedStockVesting" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_MeasurementInputYieldMember" abstract="true" name="MeasurementInputYieldMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_SeniorAndSubordinatedNotesMember" abstract="true" name="SeniorAndSubordinatedNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_VariableInterestEntitiesnonconsolidatedCarryingamountofAssetsincludedincertaininvestmentstructures" abstract="false" name="VariableInterestEntitiesnonconsolidatedCarryingamountofAssetsincludedincertaininvestmentstructures" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_IntangibleAssetsGrossIncludingGoodwill" abstract="false" name="IntangibleAssetsGrossIncludingGoodwill" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_InterchangeFeesContractsMember" abstract="true" name="InterchangeFeesContractsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_InterestexpenseSeniorandSubordinatedDebtMember" abstract="true" name="InterestexpenseSeniorandSubordinatedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_InterestExpenseSecuredDebt" abstract="false" name="InterestExpenseSecuredDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_UnsecuredDebtFairValueDisclosure" abstract="false" name="UnsecuredDebtFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossNoncurrentPercent" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossNoncurrentPercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="cof_OtherModificationsMember" abstract="true" name="OtherModificationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_CreditCardSegmentMember" abstract="true" name="CreditCardSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_DebtMaturitiesAvailableforSaleWeightedAverageExpectedLife" abstract="false" name="DebtMaturitiesAvailableforSaleWeightedAverageExpectedLife" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cof_SeriesJPreferredStockMember" abstract="true" name="SeriesJPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_RepaymentsofUnsecuredDebtandLongTermFHLBAdvances" abstract="false" name="RepaymentsofUnsecuredDebtandLongTermFHLBAdvances" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent" abstract="false" name="OtherComprehensiveIncomeOtherNetOfTaxAttributableToParent" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_NoninterestIncomeExcludingRevenueFromContractWithCustomer" abstract="false" name="NoninterestIncomeExcludingRevenueFromContractWithCustomer" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableAllowanceForCreditLossAdjustmentsOther" abstract="false" name="FinancingReceivableAllowanceForCreditLossAdjustmentsOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_PreferredStockDepositarySharesIssued" abstract="false" name="PreferredStockDepositarySharesIssued" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="cof_ContinuingInvolvementwithContinuedtobeRecognizedTransferredFinancialAssetsLiabilitiesIncurred" abstract="false" name="ContinuingInvolvementwithContinuedtobeRecognizedTransferredFinancialAssetsLiabilitiesIncurred" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_RepurchaseAgreementCollateralRightToReclaimCashOffset" abstract="false" name="RepurchaseAgreementCollateralRightToReclaimCashOffset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_FinancingReceivableExcludingAccruedInterestTermWriteoff" abstract="false" name="FinancingReceivableExcludingAccruedInterestTermWriteoff" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_InterestincomeOtherMember" abstract="true" name="InterestincomeOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_InternationalCardBusinessMember" abstract="true" name="InternationalCardBusinessMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_VariableInterestEntitiesnonconsolidatedCarryingamountofliabilitiesincludedincertaininvestmentstructures" abstract="false" name="VariableInterestEntitiesnonconsolidatedCarryingamountofliabilitiesincludedincertaininvestmentstructures" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_RetainedInterestMeasurementInputLifeOfReceivables" abstract="false" name="RetainedInterestMeasurementInputLifeOfReceivables" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="cof_DiscoverMember" abstract="true" name="DiscoverMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="cof_NonsecuritizationRelatedVariableInterestEntitiesMember" abstract="true" name="NonsecuritizationRelatedVariableInterestEntitiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_FinancingReceivablePercent90DaysPastDueandStillAccruing" abstract="false" name="FinancingReceivablePercent90DaysPastDueandStillAccruing" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="cof_FinancialAssetCurrentAndLessThan30DaysPastDueMember" abstract="true" name="FinancialAssetCurrentAndLessThan30DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_AvailableforsaleSecuritiesWeightedAverageYieldAbstract" abstract="true" name="AvailableforsaleSecuritiesWeightedAverageYieldAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="cof_MortgageServicingAssetatAmortizedCostGross" abstract="false" name="MortgageServicingAssetatAmortizedCostGross" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_VariableInterestEntityNonconsolidatedTotalAssets" abstract="false" name="VariableInterestEntityNonconsolidatedTotalAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_SeriesIPreferredStockMember" abstract="true" name="SeriesIPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_FinancingReceivableNonaccrualNoAllowancePercentPastDue" abstract="false" name="FinancingReceivableNonaccrualNoAllowancePercentPastDue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="cof_OtherPortfolioSegmentsExcludingCreditCardMember" abstract="true" name="OtherPortfolioSegmentsExcludingCreditCardMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_RetainedInterestMeasurementInput" abstract="false" name="RetainedInterestMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="cof_SeriesMPreferredStockMember" abstract="true" name="SeriesMPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_TreasuryStockParValue" abstract="false" name="TreasuryStockParValue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="cof_SecurityClassDomain" abstract="true" name="SecurityClassDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossPercentTotal" abstract="false" name="FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossPercentTotal" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="cof_GainLossOnFairValueAssetsRecognizedInEarnings" abstract="false" name="GainLossOnFairValueAssetsRecognizedInEarnings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_ResidentialMortgageBackedSecuritiesAgencyMember" abstract="true" name="ResidentialMortgageBackedSecuritiesAgencyMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_OtherLoanModificationsMember" abstract="true" name="OtherLoanModificationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="cof_PenaltyPaidToTheUSTreasury" abstract="false" name="PenaltyPaidToTheUSTreasury" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_DebtExcludingSecuredDebt" abstract="false" name="DebtExcludingSecuredDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_InterestExpenseOtherBorrowings" abstract="false" name="InterestExpenseOtherBorrowings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_RealizedGainsLossesOnForeignExchangeContractsReclassifiedFromAOCI" abstract="false" name="RealizedGainsLossesOnForeignExchangeContractsReclassifiedFromAOCI" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="cof_VariableInterestEntitiesandSecuritizationAbstract" abstract="true" name="VariableInterestEntitiesandSecuritizationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
</xs:schema>
