Write a review

Newsletter

Go to business site

Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.20 (301 reviews)

View other Capital One products

4.20

Based on 301 reviews, last reviewed 29th Jun 2026

800% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

53%

24%

10%

Latest highest rating:

5

I am using for long time and daily purchase. I am using for long time and daily purchase. Highly recommended Reviewed on: 29th June 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

Visit provider site Read all reviews Write a review

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.

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 (301)

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

Helpful

helpful and friendly put me at ease Reviewed on: 13th August 2020

Security matters to them

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

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

Alternative products

Credit Cards
from Smile Bank 3.84 from 4 reviews
Opus Credit Card
from NewDay 4.04 from 3 reviews
Initial credit card (discontinued)
from Barclaycard 3.60 from 122 reviews

Want to see more from Capital One?

Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
Classic Extra Card (discontinued)
from Capital One 4.08 from 6 reviews
Aspire Elite Card (discontinued)
from Capital One 3.84 from 1 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

Capital One: Classic Credit Card reviews

800% increase in 5 star reviews

100% increase 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 (301)

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

Helpful

Security matters to them

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

News, guides and insight from our team

UK money news stories - 24 July 2024

Your Money, Your Voice: Have your say

Our latest research - customers see little impact of FCA's Consumer Duty one year on

Consumer credit awards winners 2024