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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)

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

No hassle

Get yourself an online account. Everything is so easy, log in, pay, check amount all in a few seconds. I had a query and spoke to an online agent who sorted my query out in about a minute. Great time saving service Reviewed on: 22nd December 2016

Expensive

It's pretty poor really, the interest rates are very high on my Capital One card Reviewed on: 19th December 2016

No hassle at all

Capital One card is really great - no hassle and clear texts from them, i find them amazing Reviewed on: 13th December 2016

Useful for emergencies

It's OK - I use this card for emergencies and that's all Reviewed on: 9th December 2016

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