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Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.03 (274 reviews)

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3.96

Based on 274 reviews, last reviewed 26th Feb 2025

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

51%

25%

10%

Latest highest rating:

5

One of the best credit card companies in the UK Capital One have always been very good to me as a credit card company and I would recommend their products to everyone. Reviewed on: 26th February 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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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 (274)

Poor experience with Capital One

Now the card itself was alright, no complaints with regards to payment limits etc. but when I wanted to change my address, boy did I have a job! In total, I spent almost three hours on hold (yes, I did time it! That's how bored I was!) over the course of three days trying to change my details. I really don't know why they were incapable of either answering the phone or putting me through to the correct department but I paid the balance shortly afterwards and cancelled my card. If they can't even manage a simple request like this, I dread to think how they are treating our personal data. So whilst I appreciate that this is more of a rant than a review, there are more cards of this ilk around these days, offering similar interest rates and I feel sure that they would offer a far superior service. Reviewed on: 26th August 2015

No issues usually

This is our 2nd choice credit card if our first one is not accepted by the merchants. Usually, there is no issues and we do use it regularly. It has a competitive rate but overall it isn't really rewarding in general. We might stop using it soon. Reviewed on: 25th August 2015

Offered secured version of this card.

I applied for this card, knowing that my credit history was poor, at best, and suprisingly, I was offered the 'secured' version. Capital one requested a £99 deposit, and they would then give me a card with a £200 limit. Absolutely great for building up my credit history, and correcting the mistakes made as a young 'un. I've recently found out that my APR is a decently low 30% on this card, too, which is miles better than my Vanquis card, at, i'd estimate, 50%. Great card, great customer service. Reviewed on: 25th August 2015

Reversed charges when I called to explain

I unfortunately got into some financial difficulty recently as my employer switched banks and we didn't get paid! this led me to missing a payment on my card. I called Capital One and when I explained the circumstances they reversed the charges. it was such a relief and they lady I spoke to was ever so helpful. Reviewed on: 21st August 2015

Excellent customer service

I took out the 0% for 18 months deal with Capital One to save on interest on an existing credit card and was very happy with the initial set up fee. It was easy and quick with a great online account. I had made a payment and due to my misjudgement of when the payment would clear, I was one day late for the payment. On my next statement I noticed that interest had been applied so rang Capital One to see if there was anything I could do about this. They took note of my account and the fact that the pay,net was just a day late and reverted my account to the original deal. They took off the interest and the late payment fee and left me feeling very satisfied. Reviewed on: 10th August 2015

Standard, could be better.

The interest is high but it works as a good card to improve your credit limit On. I've had to contact them before and the person on the other end of the phone was very helpful and friendly. Reviewed on: 24th April 2015

I would not recommend this company because of the interest rates.

I would not nor could I recommend Capital One. I think their interest rates are way out of line. I know they base their rates on a person's credit score and I understand that to some extend, but to charge an astronomical rate is really unfair. How can a person get ahead if all their rates are too high. I have never experienced interest rates as high as capital one. I guess though I should have a better credit rating and should work toward that . If I did then my interest rate would be a lot less than it is now. How should I go about doing that - pay off my debt!! Reviewed on: 20th April 2015

Great Card with Great Benefits

I use this card for everything due to the great rewards program. I make all my purchases as well as pay any available bills with it monthly and pay the balance in full. In essence, I am being paid to use my credit card. Not too bad, right!? I would highly recommend Capital One to anyone looking for a new card. Their products are great and their customer service has been, in my experience, top-notch. The limited times I've had to contact their customer service department, it's been a very quick, concise phone call and the people were always prompt and polite. This is a must have for consumers as well as businesses. Reviewed on: 17th April 2015

Everytime I have an issue, it is handled with the best cutomer service.

Capital One has superb customer service, both on and offline. I love the fact that I can log into my account and have up to date information. I am also apart of the rewards program, which is great. It is alway nice to get something back for using their product. Reviewed on: 17th April 2015

Great starter card

Great card for people who may have some credit issues. Will come with low credit limit. However keep paying ontime and eventually you will qualify for a credit limit increase. Reviewed on: 17th April 2015

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