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Capital One: Classic credit card reviews

Name: Classic credit card
Rating: 4.19 (303 reviews)

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4.19

Based on 303 reviews, last reviewed 7th Sep 2026

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

53%

24%

10%

Latest highest rating:

5

Great Credit Card I've been a customer for over a decade now. I've never had any trouble and would not go anywhere else Reviewed on: 7th September 2026

Latest lowest rating:

1

Interest rates too high Interest rates too high and no support provided when contacting the customer services team to discuss management plan Reviewed on: 9th June 2026

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About this product

The Capital One Classic credit card enables you to build your credit score over time.

Capital One Classic credit card offers flexible credit limits and there are no annual costs. You can ask for an increase or lower it if you need to and Capital One will never up your limit without your agreement.

Capital One Classic credit card reviews help you find out what it’s like to be a customer. If you’ve used Capital One before, you can also leave a review and share your experience.

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Capital One Classic credit card reviews (303)

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

No major problems.

I particularly like the APP, it is easy to use. Reviewed on: 27th February 2021

Credit card

Efficient company and good fraud detection Reviewed on: 26th February 2021

Credit card

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

No Security checks

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

Terrible

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

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Capital One: Classic credit card reviews

No new 5 star reviews

100% decrease in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review Capital One: Classic credit card now

Capital One Classic credit card reviews (303)

Good customer service

Excellent

A simple but functional no frills credit card

Easy to use and great service

Helps Build Credit History

No major problems.

Credit card

Credit card

No Security checks

Terrible

Do you have a different Capital One product?

Want to see more from Capital One?

Balance Plus (discontinued)

Classic Extra Card (discontinued)

Aspire Elite Card (discontinued)

Join Smart Money People

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