Write a review

Newsletter

Go to business site

Capital One: Classic credit card reviews

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

View other Capital One products

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

Visit provider site Read all reviews Write a review

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.

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 (303)

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

Excellent credit card for poor credit

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

Put customer first

They always put customers first, superb support and options available. Reviewed on: 19th June 2020

Great service

Obtained a credit card from capital one as my first credit card. Got accepted straight away with a decent limit of £750. Have paid no interest at all over the year or two I’ve had the card, very easy to make payments either full balance, min amount or other amount at any time. Good clear statements and functional app. Great customer service when I lost my card too. Reviewed on: 12th May 2020

does what I need, easy to use

I've had my capital one credit card for a few years now and I've been pretty happy with it. It's easy to use and I've had the limit upped a few times which is handy. It's easy enough to use the online account and the mobile app. You get email reminders days before you need to pay back monthly which is super useful. Reviewed on: 28th April 2020

easy app and service

Great to keep on top of transactions and bills with app or web. Web has security features. Contactless card payments are useful avoiding need for PIN most times. Statements are clear and bills easy to pay via app. Reviewed on: 27th April 2020

Building credit history card-brilliant

Capital one helped me built a credit history. If you pay full balance-you do not pay a penny extra! Fantastic Reviewed on: 31st January 2020

Absolutely Useless

Capitalone are absolutely useless, don’t use I’ve been a customer of theirs 5 years now closing my account incompetent Reviewed on: 2nd January 2020

Decent, No Frills, Does What It Says

I manage my account online. Secure, easy, clear information, great customer service Reviewed on: 21st June 2019

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 builder credit card
from Vanquis 4.73 from 28695 reviews
Charge Card
from American Express 4.20 from 24 reviews
Credit card (discontinued)
from Metro Bank 4.71 from 880 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