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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)

My best friend that's always there when Needed!

4
I've been with capital one for almost 3 years.....Not once had any contact from the company which I find much Better! Highly recommend Reviewed on: 9th June 2017
Caroline Louise Wood's avatar
Caroline Louise Wood

Great service

5
I would praise capital 1 any time i have found them very approachable when i have needed them and i love the fact the card words in every place i have tried Reviewed on: 8th June 2017
Graham Wright's avatar
Graham Wright

CAPITAL ONE BANK UNDERSTANDING OF DEBT AND MENTAL HEALTH, BIPOLAR DISORDER

5
WHAT MORE IS THERE LEFT FOR ME TO SAY. IF I HAD THE POWER I WOULD GIVE CAPITAL ON BANK THE AWARD FOR BEING A CARING LENDER FOR NOT HOLDING PEOPLE LIKE ME, WHO HAVE BIPOLAR FOR GETTING IN TO DEBT. I HAVE EXPERIENCE THE FALL OUT WHEN OTHER LENDERS ARE NOT LIKE CAPITAL ON BANK AND HAVE LOST MANY FRIEND'S WHO TOOK THEIR OWN LIVES BECAUSE OF BEING IN DEBT AND SUFFERING MENTAL HEALTH. I WISH I WAS STRONGER AND COULD OF HELPED THEM GET THE DEBT ASSIGNED TO CAPITAL ONE BANK. JUST MAYBE THEY WOULD BE ALIVE TODAY. MAY THEIR SOULS REST IN PEACE, ( RIP). ONCE AGAIN GOD BLESS BANKS LIVE CAPITAL ONE BANK SERVICES FOR LOAN AND CREDIT CARDS. CC Reviewed on: 7th June 2017
CHristen Cudjoe's avatar
CHristen Cudjoe

Great service

5
I am very happy that I have been a customer of Capital Onebecause it works very well there. They explained everything very comprehensively and gave all the needed answers and now I can enjoy the borrowed money from them. Reviewed on: 5th June 2017
Iwona Rogulska's avatar
Iwona Rogulska

Poor service

1
Company shown no empathy to a situation I was in which prevented me for a short period paying the bill. I was charged numerous fees and struggled to get back on track Reviewed on: 5th June 2017
Sean White's avatar
Sean White

Good for rebuilding

4
Not a bad card and rate for people looking to rebuild their credit rating. Reviewed on: 2nd June 2017
Mark Ridehalgh 's avatar
Mark Ridehalgh

The APR is quite higher compared to other lenders

2
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
Irena 's avatar
Irena

Manipulative

1
Very high interests rates and an online account hard to log into Reviewed on: 1st June 2017
Future lusinga 's avatar
Future lusinga

Good credit builder

3
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
Steven jay's avatar
Steven jay

Simply excellent

5
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
Troy Selby 's avatar
Troy Selby

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