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Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.04 (279 reviews)

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3.96

Based on 279 reviews, last reviewed 15th Jun 2025

100% 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

Capital one was very easy to apply for for through t... Capital one was very easy to apply for for through their app with speedy results Reviewed on: 15th June 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 (279)

Review of the Capital One, Classic Credit Card:

SUPERB

Never been charged a fee, understanding people when you contact them and the best credit card I've used. Reviewed on: 19th April 2019

Avoid Capital One they are crap!

Avoid Capital One they’re crap Avoid Capital One they’re crap! Read all of this review for an honest true review. I’ve been with Capital One since 1998 and I’ve yet to have a credit limit increase which has remained at £2500. Back in 1998 this was good, today is dated and puny especially with today’s economic climate. If you try to get a credit limit increase on their online app it’s instantly denied (as I discovered) and if you write to them (as I did) you get an ambiguous response telling you that they can’t do it manually and you have to use their online app!! In other words it’s impossible yet when it comes to charging you interest on your account they are really sharp! Because of this I’m really annoyed and disgusted with their actions, clearly a long term customer like myself means nothing to them!!! So be careful with Capital One and avoid them! I’ve paid off my balance and won’t be allowing them to charge me any more interest! Date of experience: 08 February 2024 Reviewed on: 8th February 2024

A well known company

Not really had any interaction with them Reviewed on: 14th January 2024

Stay away for Capital one

Stay away from Capital one. I had balance transfer and I tried to setup my debit card on account so I can pay monthly but unfortunately before even my balance transfer complete I had paid hole amount including transfer fees accidentally on 25/12/23, I have called them straight away and informed them about this so they filled out form for refund my money back and said you will get it back in three days and I waited for three days and I didn’t receive my money back so I called them back and asked them for my money so they said the form was not filled properly and not submitted so the guy which I spoke he filled form again and said you will receive money next day and still not received so I called them 4 times by now and waiting for my own money. I have called them again today (30/12/23) and I have been told that I will receive money on 2nd or 3rd on January 2024.worst company ever Reviewed on: 30th December 2023

Best card ever

I had capital one card years app brilliant any problems they there to help I would recommend this to anyone great company Reviewed on: 27th November 2023

Good card

Good company ,Good card, got what I wanted Reviewed on: 1st September 2023

Easy to use app and website

Easy to use app and website. Don't send you too many emails. Reviewed on: 11th August 2023

Easy but costly

Fast approval; good app. Transparent. Just keep on top of it or the interest will add up! Reviewed on: 1st August 2023

Understanding and hassle free

Understanding when things go wrong, eager to help overcome problems. Reviewed on: 29th July 2023

worse company ever for credit cards

I used to have a Capital One credit card and there lied to me about the interest rates and also lowered the amount I can use on the card for no reason after just offering to up it. Honestly the worse customer service who likes to put the phone down on you. Never use this company had better experiences with tesco. Reviewed on: 3rd July 2023

Nice company to use

Easy to use app simple to communicate with the company Reviewed on: 22nd June 2023

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