IT WORKED!!! Finally!
For anyone just reading this there doesn't seem to be an upgrade necessary, though you may want to close or update. Just add a new account and click Capital One - Credit Cards, like mentioned above.
One more question though, and if there's no solution then so be it...
Does anyone have authorized users with credit cards on your account? I have 3 total and the downloads don't seem to separate each 3. My BofA used to give me 3 bank accounts for each CC so purchases were easy to assign to a person. Now they're all lumped together in the bank feeds so I'll have to keep the Capital 1 website open to filter them out.