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Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.03 (278 reviews)

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3.94

Based on 278 reviews, last reviewed 19th Apr 2025

50% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

52%

24%

10%

Latest highest rating:

5

Low APR and useful for small purchases Capital One classic credit card is very helpful and useful for short purchases because of the low interest APR. This makes it easier for repayments an... Read more Reviewed on: 18th April 2025

Latest lowest rating:

1

I experienced months of failed withdrawal attempts. I experienced months of failed withdrawal attempts. Despite my repeated emails to customer service going unanswered, I was left in a state of worry up... Read more Reviewed on: 18th January 2025

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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 (278)

Unreliable

Well at first they accepted me with poor credit but later I saw the charges just rising and rising. Although I kept up to date with my payments they decided to later cancel my card and blocked me from using it altogether. Called customer service they did not have a clue about whst I was saying, finally after many called I made to get a english speaking fluently adviser, they told me to write in a letter explaining this. So I have done this an it's been 9 months and I still have not heard back. So what I'm left with is a poorer credit report. They are unreliable and fake. Reviewed on: 27th May 2017

There when others let you down

I needed short term used of a credit card. Because of my low credit score, many lenders said no. Only Capital One accepted me. I've had no problems with the card. Reviewed on: 25th May 2017

Easy and helpful to rebuild

I was looking to rebuild my credit score and most credit card companies either wouldn't touch me or wanted outrageous interest rate.... not capital one they were very reasonable and the process was easy to go through Reviewed on: 24th May 2017

Great to build credit

Capital one is a good company to build a credit score aslong as your paying back the total balance rather then just the minimum payment. Reviewed on: 22nd May 2017

Unhelpful

Not the greatest of companies to choose from. They're happy to give credit to people without much of a credit rating and even though you speak with their customer service team advising them that you're having trouble paying back more than the minimum monthly payment they are happy to still raise your credit limitations getting you further in debt with them. My advise is not to use this company if you have difficulty with finances otherwise you'll end up in more debt trouble than you started with. Reviewed on: 20th May 2017

Good

Easy application and good APR. Not easy to increase credit limit Reviewed on: 18th May 2017

Best card

Have had a capital one card for many years and they have a brilliant Apr and the monthly payback is minimal. Reviewed on: 17th May 2017

Good for first credit card

Ideal for first credit card as initial amount is small and manageable. Reviewed on: 17th May 2017

Light at end of tunnel

I needed to buy somethings for my wife's birthday and my wages were tied up in bills. Thought I'd try in the unlikely event of getting a credit card, Capital one approved after a short application process and I've been using it ever since. Reviewed on: 17th May 2017

Very easy to deal with

Great for people who may not have a perfect credit score Reviewed on: 12th May 2017

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