Write a review

Capital One: Classic Credit Card reviews

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

View other Capital One products

3.95

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

Read all reviews Write a review

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.

Review Capital One: Classic Credit Card now

Help others make smarter decisions by sharing your own experience.

Write a review

Capital One Classic Credit Card reviews (278)

Simple

A simple credit card and a company who keep to their promises Reviewed on: 9th April 2017

Real People

Great to actually speak to a real person when i have any issues. Always professional, yet friendly. Reviewed on: 6th April 2017

Great lender

Lent to me when I was refused elsewhere. Reviewed on: 4th April 2017

Fully recommended to family and friends

Easy to apply for quick answer easy to manage with the great online services easy to use Reviewed on: 3rd April 2017

Gave me hope of rebuilding credit when decline elsewhere

Having been decline elsewhere i was surprised and happy to be accepted by Capital One as it meant I had a chance to rebuild my credit history. Having started off with a low limit, this has been increased. This has been a lifesaver on a few occasions and without it would have been a nightmare. It's easy for me to check my balance and pay online, i get email notifications when a statement is due, and it's contactless so really easy to use. So glad i managed to get a card with them as it's build my score by gradually using it and paying it off but also able to buy big ticket items such as holidays and paid big chunks off monthly. I'm glad they had faith in me when other lenders didn't and i was able to prove I'm trustworth with credit and my past was just a blip. Reviewed on: 3rd April 2017

An OK card

Middle of the road credit card, but its interest is a little high. Reviewed on: 4th February 2017

Superb customer service

Superb customer service, continually improving their service and features on mobile app. Reviewed on: 2nd January 2017

Great until things go wrong...

The company itself are fine and dandy when things are good. Contact is frequently returned when needed and I relieved when calls are answered from within the UK. However, when I lost my job and fell behind on payments they suddenly became very inflexible. I had to call repeatedly and then it would take quite some time for someone to respond, if at all. Contact was more of the feeling that it was made purely as it was obligatory rather than a wish to help. No offers were made to lower the APR or suggest a plan in my time of need. That said, once things were back on track they mysteriously reverted to their old helpful selves! Reviewed on: 24th December 2016

Reminders are handu

Back in the day, credit cards were run on a bill received that soon got lost under a pile of other papers and you could easily forget to pay. Moving onto the present day, and Capital One send email reminders as well as text reminders, which really do help you to keep on top of things and not miss payments. I'm sure others may do this as well, but my experience is purely with Capital One. Online payments are made easy as well. Reviewed on: 24th December 2016

Good credit card to rebuild your credit rating

Capital one are a great way to rebuild your credit rating if you've previously had money issues, or if you've not had credit before and are struggling to build a rating. It's easy to get using the card, and they keep your credit limit low to make sure you don't end up financially unstable. Overall, great service! Reviewed on: 24th December 2016

Do you have a different Capital One product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Credit Card
from first direct 4.07 from 26 reviews
Credit builder card
from thimbl. 4.90 from 18 reviews
Credit Building Credit Card
from Vanquis 4.76 from 16730 reviews

There's still more to see!

Capital One has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub