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Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.03 (278 reviews)

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3.97

Based on 278 reviews, last reviewed 19th Apr 2025

300% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

52%

24%

10%

Latest highest rating:

5

Low APR and useful for small purchases Capital One classic credit card is very helpful and useful for short purchases because of the low interest APR. This makes it easier for repayments an... Read more Reviewed on: 18th April 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 (278)

It is very good and effecticve for just a simole credit card.

It is very good and effecticve for just a simole credit card. I have had thois for quite a while and have been useing this card to buy everything every where.I have enjoyed using my card and have never had a problem with it or with the serveice. I have ahd it solen once but i easly had it cancceld and had them ship it to me instanly. Reviewed on: 14th April 2015

Easy to use and all around good experience

My experience using this card has been trouble free. This is your basic no frills credit card that's easy to use. I love how I am able to connect my Capital One account and make my payments online. This is my go to card for every day pruchases. Because I have not had any issues, I cannot attest to how the customer service department ranks. . Reviewed on: 14th April 2015

Love The Card

I really like this card a lot. The interest is zero for the entire first year, so it was really nice to be able to buy things without the added expense on top of the bill. After that, the interest wasn't really much, and still not too bad for buying things. We pay the bill almost in full whenever we can and have not had any problems with them. A few times when we went out of state, they would block our card when we used it at different places, but that's really good that they were concerned about having the card stolen, and it was really easy to call them and to get them to unblock it. We have been very happy with this card for a few years now. It would be nice if there were rewards like cash back or gas points or something, but it's not really that necessary. Reviewed on: 14th April 2015

A very good credit card to have.

When searching for a credit card to purchase a new computer and TV there was only one I could recall to match exactly what I needed - Capital One. They have great deals, typically, such as no APR for the first year and so on. That is the time I got mine. It was fun going and purchasing these items on credit and not having to worry about paying upfront. The minimum payments aren't too high. The only downside is: If you do not pay your bill on time you can get hit with a steep late payment fee. The Capital One MasterCard is accepted almost everywhere which makes it convenient to take on trips with you, just in case. The customer service is fairly friendly and will help you on most things. All in all a pretty good card if you can keep your payments lined up right Reviewed on: 14th April 2015

Good card, easy to use.

This is a great basic credit card. It is easy to use and easy to pay off since I have it linked to my Capital One Checking account. Reviewed on: 14th April 2015

Fast and easy

I contacted capital one for an issue with my credit card. I spoke to someone in their call center who was extremely helpful and solved my issue in less than five minutes. One of the best customer service experiences I have ever had. Reviewed on: 14th April 2015

Have had ups and downs with this company.

There is been ups and downs with this company. For the most part it is a good credit card and the rates and fees are really quite comparable with other similar cards. I've had some trouble when dealing with customer service. One customer service agent in particular had a difficult time explaining why certain fees were assessed. He first told me one reason, then after a few questions, he said something completely different. When I tried to get him to clarify, I was hung up on. Other then the one bad experience, customer service has been easy to work with and knowledgeable. If you are looking for an easy to get, straightforward credit card, I would recommend Capital One to you. Reviewed on: 13th April 2015

Its a great credit card to have.

Capital One is my first credit card and from then till now - 20 years later I still keep it and will not exchange it any other card that I have now. It has a good customer support and accepted in almost all establishment. I can also use it in most countries I go. Reviewed on: 13th April 2015

Excellent card and customer service.

The Capital One Credit Card is a great addition to my wallet. The card is accepted everywhere I want spend money. The statements are always fair and accurate. The Capital One customer service is excellent. Reviewed on: 13th April 2015

Could use an improvement in customer service.

Customer service contact was lackluster for my personal experience. Did not seem to know what was going on and I had to explain the situation numerous times before someone finally understood. Once the problem was understood, the problem was handled in somewhat of a timely manner. Things should be made easier for the customer and it was very frustrating having to keep repeating myself. The product is a good product and I continue to use the card but certainly an overhaul in the customer service department is warranted. Good interest rate and good amount of credit. Other than the aforementioned issue with customer service, no other problems have been experienced. Overall I think this card is a good fit with minimal fees associated with it. Reviewed on: 13th April 2015

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