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Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.03 (278 reviews)

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3.97

Based on 278 reviews, last reviewed 19th Apr 2025

300% 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

Low APR and useful for small purchases Capital One classic credit card is very helpful and useful for short purchases because of the low interest APR. This makes it easier for repayments an... Read more Reviewed on: 18th April 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

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About this product

Capital One Classic Credit Card reviews can help you to find out about the pros and cons of the Classic Credit Card credit card. What kind of features do Capital One customers like? Find out more about the Capital One Classic Credit Card by reading our trusted Smart Money People reviews. You can also write your own Capital One Classic Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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Capital One Classic Credit Card reviews (278)

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

Helps Build Credit History

I really wanted to get a credit card to start building my credit history, but seemingly no providers would be willing to provide a card. I was approved for the CapitalOne classic card with very little credit history, and have been able to build it as a result. In addition, their communications, service and app are all fantastic. They are the only financial provider I've used that I've so far not had an issue with. All that could be improved is an option to get a Cashback credit card with them, as this is my ultimate goal, and soft searches don't suggest I'm any more likely to be approved for mainstream cashback cards. Reviewed on: 12th March 2021

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