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Capital One: Classic Credit Card reviews

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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
See only 5 star reviews
52%
See only 4 star reviews
24%
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10%
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4%
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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
Georgina G's avatar
Georgina G

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
Vera Alexander's avatar
Vera Alexander
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Capital One Classic Credit Card reviews (279)

Helps Build Credit History

5
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
Spoon's avatar
Spoon

No major problems.

3
I particularly like the APP, it is easy to use. Reviewed on: 27th February 2021
Dominic mcdonagh 's avatar
Dominic mcdonagh

Credit card

5
Efficient company and good fraud detection Reviewed on: 26th February 2021
David's avatar
David

Credit card

1
Applied several times for this card and every time got accepted ,emails etc to tell me card is on its way but never arrives do not use this company as they rip you off.what do you expect out a American company bad bad bad Reviewed on: 15th December 2020
Bob's avatar
Bob

No Security checks

1
It's absolutely appalling that a credit card application could be verified with no photo ID required. My wife's identity was used by fraudsters to open a credit card and when we found out, we requested for a photo ID of who did open it, but it turns out Capital One security checks is no different from "beach sand tower". Now we're left to foot the outstanding bills. Absolutely shocking company. If opening an account can be so easy and anyone can do so with a different identity, I shudder to think of the lies you tell your genuine customers about the security promised to them. Shocking, inept, vile, disgusting and unethical company. Reviewed on: 18th November 2020
Emmanuel 's avatar
Emmanuel

Terrible

1
The credentials of 'meet the team' at capital one are most impressive, what a pity they can't put their education into practise. You cannot even report a lost or stolen card outside of opening hours! Impossible to get in touch with anyone working for CO. How can a company exist with such appalling and virtually non existent customer service. All the Ox-bridge graduates running the show evidently can't apply themselves. Reviewed on: 29th October 2020
Anonymous's avatar
Anonymous

Helpful

5
helpful and friendly put me at ease Reviewed on: 13th August 2020
Sandra Meiklejohn's avatar
Sandra Meiklejohn

Security matters to them

4
Have always felt safe owning one of these cards as they are very quick to ring and message me if they suspect the card has been compromised in any way. Reviewed on: 11th July 2020
Mike Mann's avatar
Mike Mann

Excellent credit card for poor credit

4
Absolutely brilliant service,no problem with payment set ups Absolutely excellent could not fault Reviewed on: 8th July 2020
karen's avatar
karen

Put customer first

5
They always put customers first, superb support and options available. Reviewed on: 19th June 2020
Sam Birkinshaw's avatar
Sam Birkinshaw

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