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Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.17 (300 reviews)

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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

53%

24%

10%

Latest highest rating:

5

Easy to apply for, easy to manage. Easy to apply for, easy to manage. Reviewed on: 12th June 2026

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

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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)

Great service

Great and fast acceptance. I will recommend this credit card service to my friends. Reviewed on: 11th April 2017

Bad service

No reason blocked the card, and now does not respond to letters!!! Reviewed on: 10th April 2017

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

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