Write a review

Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.04 (279 reviews)

View other Capital One products

3.96

Based on 279 reviews, last reviewed 15th Jun 2025

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

52%

24%

10%

Latest highest rating:

5

Capital one was very easy to apply for for through t... Capital one was very easy to apply for for through their app with speedy results Reviewed on: 15th June 2025

Latest lowest rating:

1

I experienced months of failed withdrawal attempts. I experienced months of failed withdrawal attempts. Despite my repeated emails to customer service going unanswered, I was left in a state of worry up... Read more Reviewed on: 18th January 2025

Read all reviews Write a review

About this product

Review Capital One: Classic Credit Card now

Help others make smarter decisions by sharing your own experience.

Write a review

Capital One Classic Credit Card reviews (279)

Told me they can't do a chargeback because I refused delivery of the goods. Literally no law ever states that is the case, they'll just lie through their teeth so they don't have to do anything.

Told me they can't do a chargeback because I refused delivery of the goods. Literally no law ever states that is the case, they'll just lie through their teeth so they don't have to do anything. Reviewed on: 18th October 2021

Excellent if you have a poor credit rating

I highly doubted that I would be offered a credit card but they were able to offer me one with a low credit limit, which I find really good for improving my credit score. Reviewed on: 5th September 2021

A Gift CapOne - Big Thanks

So right there when I needed it. Thank you for increasing my credit limit and having you for 3 years now is quite good. Reviewed on: 31st August 2021

it helped me with dealing with those emergency payment.

The card is value for money and it enables customers to be able to prioritize their bills whilst given them the time and opportunity to save. Reviewed on: 31st August 2021

Left in total despair

This is NOT the credit card company to use if you suffer with any mental health issues. Please do not take out credit with this company if there is any chance at all you may have payment difficulties in the future. I tried over and over again to speak to the customer service team and the complaints manager about my situation. I provided them with medical evidence from my GP and was told flatly there is nothing they can do to help me negotiate a settlement on the account. They have had me in floods of tears on the phone as I struggle to manage… the response “computer says no”. In this day and age of financial struggles and increasing mental health problems this company does not want to know. They have left me feeling in total despair. Reviewed on: 8th July 2021

Generally good.

Easy to use app, online access not as easy, paper statements at no cost. Reviewed on: 29th June 2021

Good customer service

Good customer service and easy to use app. Reviewed on: 14th June 2021

Excellent

Excellent service from beginning to end. Reviewed on: 13th April 2021

A simple but functional no frills credit card

A basic credit card - does what says on the tin. No frills and with a modest app and website support - a lot of services are requiring still a phone call to them. Reviewed on: 26th March 2021

Easy to use and great service

Not as good as zopa are at helpful information to help with other products , such as loans and card problems. Reviewed on: 17th March 2021

Do you have a different Capital One product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Balance Transfer Credit Card
from Bank of Scotland 4.09 from 13 reviews
Credit Card
from Zable 4.94 from 30770 reviews
Clubcard Credit Card
from Tesco Bank 3.98 from 317 reviews

Want to see more from Capital One?

Classic Extra Card
from Capital One 3.72 from 6 reviews
Balance Plus
from Capital One 3.29 from 3 reviews
Aspire Business Card
from Capital One 3.00 from 2 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub