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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)

excellent no-nonsense credit card

at no point have i felt like i was being ripped off, which is quite standard in this industry Reviewed on: 4th April 2018

Can always sort out problems

When I had a mystery payment on my account, the agent found out who it was and a contact number for me to cancel it and got a refund sorted. No fuss. When I stopped a regular payment, it was stopped immediately. The agents are always friendly and polite. Reviewed on: 4th April 2018

Customer service

A great company offering great customer service, any problems professionals dealt with and always a competitive interest rate Reviewed on: 15th November 2017

Great website & Customer service

website is very user friendly and interactions with company have been good Reviewed on: 7th November 2017

Disappointed

Poor customer service, unprofessional company and overall very dissatisfied Reviewed on: 17th August 2017

Does what it says on the tin

Straight forward account and no fuss. Helps when needed and boosts my credit rating so you can't go wrong! Reviewed on: 21st July 2017

Good service

Good service and simple application. Website crashes a lot so easier to use the app to keep track of spending Reviewed on: 30th June 2017

Accepted with low credit rating

Never had credit in my life so found it hard to get started capital 1 made it Abel for me to do so now I'm building my credit rating up Reviewed on: 30th June 2017

no nonsense credit

Used for a number of years with excellent customer service. Reviewed on: 29th June 2017

Credit card for Bad Credit

We had a bad credit rating and most major credit card companies wouldn't accept us. We needed to rebuild our credit rating using a credit card. Capital One did accept us and we now both seen big improvements to our credit score. Capital One allowed us to reduce our credit limit and haven't force and additional credit increases on us. Reviewed on: 29th June 2017

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