Mint has never worked for my wife. When she's out looking to spend all of our money she doesn't want to be bothered trying to open up mint and get a current snapshot of our finances. She also doesn't care about our 401k or brokerage accounts.
The only thing which has worked is the Simple app that by opening it tells her exactly how much money she can spend without sabotaging her savings goals.
I'm sure CapitalOne has "budget tools" marked off of some internal checklist but imagine it's pretty crappy.
Giving up a few bucks a month in exchange for a great budgeting tool is the reason I use Simple.