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Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.02 (273 reviews)

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3.94

Based on 273 reviews, last reviewed 18th Jan 2025

100% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

51%

25%

10%

Latest highest rating:

5

Respect for customer Treated with respect that’s important when you are old Reviewed on: 15th January 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.

Capital One Classic Credit Card reviews (273)

Review of the Capital One, Classic Credit Card:

I like the features of the app and the flexibility.

I like the features of the app and the flexibility. Having a Capital One credit card enables me to cover unexpected payments. Reviewed on: 21st May 2024

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

I love the Capital One Cash back Reward Card

What a great way to have this credit card...getting rewarded for using the card. I love getting cash back just for using the Capital One Cash Back Reward Card. You can either get a check or apply cash back to your balance. And I think you can use the cash back on qualifying purchases. Highly recommend this card. Capital One Reward card is far better than other reward cards I have had experience with and is a card I will continue to use. Some cards use a point system that sets such high point requirements before one ever receives any benefit from using their card. I feel this is not so with the Capital One rewards card. The cash back seems to accumulate at a much faster rate. And there is no minimum requirement on getting your cash back. Capital One Rewards card is my number one card of choice. Reviewed on: 17th April 2015

Accepted Everywhere I have wanted to use it

It is one of the best cards out there, It is accepted everywhere I have ever wanted to use it. I have never had any attitude from Support Staff when I have contacted them about my account. The rewards are good and I am happy to be a Customer. Reviewed on: 17th April 2015

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