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Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.05 (284 reviews)

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4.04

Based on 284 reviews, last reviewed 27th Oct 2025

80% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

52%

24%

10%

Latest highest rating:

5

Outstanding service... A very professional and efficient company. Contacting their customer service department whether through their online messaging system or via the pho... Read more Reviewed on: 27th October 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 (284)

The APR is quite higher compared to other lenders

I wish the Capital one could offer more options for client to pay off their debs quicker with less APR Reviewed on: 2nd June 2017

Manipulative

Very high interests rates and an online account hard to log into Reviewed on: 1st June 2017

Good credit builder

Generally good credit card. Slightly higher interest than i was happy with. But good if you have enough self control to keep balance low or clear each month. Reviewed on: 31st May 2017

Simply excellent

Used the checker to make sure if I could be accepted without being penalised, which I was. Whole process was super quick and easy, and the mobile app is great and simple to use too. Reviewed on: 30th May 2017

Great online account management

Simple and easy to use online account however very small and inflexible credit limit. Reviewed on: 30th May 2017

pretty good credit card

they are very excepting if people even if your credit is not great, and they dont have really high over limit fees Reviewed on: 27th May 2017

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

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