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Capital One: Classic credit card reviews

View other Capital One products
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
See only 5 star reviews
53%
See only 4 star reviews
24%
See only 3 star reviews
10%
See only 2 star reviews
4%
See only 1 star reviews
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
Jane Yates's avatar
Jane Yates

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
Elin A's avatar
Elin A
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

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Capital One Classic credit card reviews (302)

Excellent customer friendly online account

5
Excellent customer friendly online account. Easy to use. Reviewed on: 29th June 2017
David Mcgee's avatar
David Mcgee

Highly recommend

5
Best credit card application, easy, good rates and a great online account Reviewed on: 28th June 2017
sophie williams's avatar
sophie williams

Brilliant

5
Had poor credit and needed to re build my credit rating. These people give me the chance to do that. Great product. Reviewed on: 24th June 2017
Francesca's avatar
Francesca

Not very good credit card

2
Ave ad it wel over a year and never missed a payment and they avnt topped it uo Reviewed on: 24th June 2017
Sean widdison's avatar
Sean widdison

Brilliant

5
Good customer service and great rates Reviewed on: 23rd June 2017
Luke baker's avatar
Luke baker

5***

5
Very understanding always happy to help higly recommended Reviewed on: 23rd June 2017
Emma's avatar
Emma

Low Monthly payments, top customer service

5
I have a £500 limit on my card as I'm disabled but I'm thankful capital one accepted me and treated me as a individual unlike all others! My repayment each month is always affordable and the online banking and App are fantastic Too! If you want a top notch customer service, a easy to manage,no fuss or frills just simply transparent, no hidden charges affordable credit then I'd say you found the right place, but don't just take my word for It! Reviewed on: 20th June 2017
Caroline Louise Wood's avatar
Caroline Louise Wood

A good Card

5
I've used Capital One cards for many years, so has my wife. we have never had any problems and have used around the world without any problems. The interest is a little high but comparible to others, is quite reasonable. Reviewed on: 20th June 2017
Stephen Ilsley's avatar
Stephen Ilsley

II would recommend a friend

5
Good interest rate and good customer service and I would recommend a friend there security service is very reliable and professional. Thanks Capital one. Reviewed on: 13th June 2017
Linnett Duncan's avatar
Linnett Duncan

Be careful with charges

3
Despite checking my balance and amount of credit left, they suddenly applied a charge saying I'd gone over my limit after I made a purchase on the card. There's no warning telling you interest is about to be applied. Reviewed on: 11th June 2017
Leeanne Clifford's avatar
Leeanne Clifford

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