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Capital One: Classic credit card reviews

Name: Classic credit card
Rating: 4.09 (305 reviews)

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4.09

Based on 305 reviews, last reviewed 13th Oct 2026

78% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

53%

24%

10%

Latest highest rating:

4

Easy to use and easy application process Easy to use and easy application process Reviewed on: 13th October 2026

Latest lowest rating:

1

Repeated problems and extremely poor customer service I’ve had a Capital One credit card for some time and, unfortunately, the number of problems I’ve experienced has reached the point where I’m actively ... Read more Reviewed on: 22nd September 2026

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About this product

The Capital One Classic credit card enables you to build your credit score over time.

Capital One Classic credit card offers flexible credit limits and there are no annual costs. You can ask for an increase or lower it if you need to and Capital One will never up your limit without your agreement.

Capital One Classic credit card reviews help you find out what it’s like to be a customer. If you’ve used Capital One before, you can also leave a review and share your experience.

Capital One Classic credit card reviews (305)

Review of the Capital One, Classic credit card:

Zopa asked me to vote for them

But they are untrusting utter rubbish so I'll vote for anyone but them . Reviewed on: 11th April 2023

Helps me budget

It's great as its slowly improving my credit score and stops me having to big a budget :) Reviewed on: 8th December 2016

Just OK

This card is just ok, I don't really use it very often Reviewed on: 30th November 2016

I use it every day

Good for building your credit ratings. Good overall credit card for me. Reviewed on: 9th October 2016

Easy to Use

Easy understandable statements sent each month, plus direct debit to take payment straight from my account so I never fall behind. Reviewed on: 29th June 2016

Cheap Repayments

I was able to get a card with Capital One even though my credit wasn't great. I got a £200 limit and my repayments are very little each month. Ideal to use when needed. Reviewed on: 28th June 2016

Brilliant service

The customer service is brilliant no long waits when you ring them up. Always helpful. I'm happy with overall experience with capital one. The application process was straightforward. Would recommend to others looking to build credit Reviewed on: 25th June 2016

great service

easy to get hold of them and always ready to help with any queries Reviewed on: 20th June 2016

Following a death

I have recently lost my father, among his creditors is capital one, once I informed them of his death and spoke to an advisor regarding lack of funds, they were so helpful. Explained the process, and said there would be some forms If I get stuck to ring them for assistance. They were so helpful and anyone on my position they made the whole process so much easier to process. Many thanks Reviewed on: 5th June 2016

Good company

Never had any problems with my capital one credit card. It's a shame that the cashback was stopped but I believe this isn't their fault. Haven't had much contact with customer services but they've always been helpful on the occasions that I have Reviewed on: 2nd June 2016

Great credit card provider

Got great deal on a balance transfer easy application Reviewed on: 30th May 2016

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