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Capital One: Classic Credit Card reviews

View other Capital One products
4.17
Based on 300 reviews, last reviewed 12th Jun 2026
900% 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

Easy to apply for, easy to manage. Easy to apply for, easy to manage. Reviewed on: 12th June 2026
David C's avatar
David C

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
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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.

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Capital One Classic Credit Card reviews (300)

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

no problems

5
money is taken monthly from my account no need to worry Reviewed on: 11th June 2017
Amanda J Greensmith's avatar
Amanda J Greensmith

Great to get back on track

4
Have been very happy with capital one. After a financial problem a few years ago I was left with having very bad credit. Capital one have given me the chance of getting back on track where others wouldn't Reviewed on: 11th June 2017
Jo Carter's avatar
Jo Carter

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