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Capital One: Classic credit card reviews

Name: Classic credit card
Rating: 4.17 (302 reviews)

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4.17

Based on 302 reviews, last reviewed 4th Aug 2026

20% 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

Its good to use when u money difficulties Its good to use when u money difficulties Reviewed on: 4th August 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 (302)

High interest rates

I used my card by mistake - it's the same colour as my debit card - and it took me over my card limit. The card didn't get rejected and I got charged for going over my limit. Odd that it wasn't just rejected Reviewed on: 13th January 2019

awesome

really easy to apply and a total lifesaver Reviewed on: 3rd January 2019

Good credit

I like the company makes sure they rate a person accordingly and an opportunity to see if they accept you with out affecting your credit score. Reviewed on: 17th December 2018

The app contains details of both my cards

The app is easy to use and I can switch between both my card balances. Reviewed on: 6th November 2018

This card will keep you credit rating low

Capital One market their cards as credit builders however they keep your credit score low by NOT increasing your credit limit past £1000 which flags a lack of trust to other lenders... all is nit as it seems with this company so beware before you apply very high interest rates and low credit limits. Poor customer service is just the tip of the iceberg Reviewed on: 14th April 2018

Grwat company!

Very good Customer Service, very helpful staff and brilliant at spotting fraudulent transactions. A* Reviewed on: 5th April 2018

Fast, Efficient and Practical

Approval was fast and efficient and I was kept well informed of the process from start to finish. Managing the card is easy through a variety of avenues from a customer care line to their polished and very useful app, and the service is exactly what you need for a daily use credit card. Reviewed on: 5th April 2018

There when you need it

I don't know what I'd have done if Capital One hadn't accepted my application for a credit card! They took me on when no-one else would. The repayments are manageable and their website is really easy to use. They reward my loyalty and reliability by increasing my credit limit by sensible amounts. Reviewed on: 4th April 2018

Got accepted when no one else would give me a card

Had no issues with the card or app Reviewed on: 4th April 2018

Got accepted when no one else would give me a card

I got a credit card from capital one very easily. No issues with the card and the app is easy to use. Reviewed on: 4th April 2018

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Capital One: Classic credit card reviews

20% 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 (302)

High interest rates

awesome

Good credit

The app contains details of both my cards

This card will keep you credit rating low

Grwat company!

Fast, Efficient and Practical

There when you need it

Got accepted when no one else would give me a card

Got accepted when no one else would give me a card

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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