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Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.171666633333333333 (300 reviews)

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4.17

Based on 300 reviews, last reviewed 12th Jun 2026

900% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

53%

24%

10%

Latest highest rating:

5

Easy to apply for, easy to manage. Easy to apply for, easy to manage. Reviewed on: 12th June 2026

Latest lowest rating:

1

Interest rates too high Interest rates too high and no support provided when contacting the customer services team to discuss management plan Reviewed on: 9th June 2026

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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 (300)

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

Loyal company to loyal customers

I would recommend any Capital One card to my friends or family. In my experience, they are as loyal to you as you are to them. They offer a credit product and they display outstanding customer service. More companies would love to offer both. Reviewed on: 13th April 2015

never had an issue

I've been with Capital One for quite a while now, they aren't very easy to work with when it comes to getting information about specials and promotions - I'm always clicking around the website to find things. But I have never had any issues with them at all. They've got a typical 1% reward program. Reviewed on: 13th April 2015

Straightforward, basic credit card

Although I've had a few negative experiences dealing with the customer service for Capital One, I have had the account for around 5 years. By and large the services provided are straightforward and not confusing. I would recommend them to others. Reviewed on: 13th April 2015

Good basic card

The credit card is a good basic credit with an adequate grace period and good APR terms. This is not a great card if you're looking for one with rewards but CapitalOne's customer service is top-notch. Reviewed on: 13th April 2015

10 years of awesome

I have been a capital one member for 10 years, and actually now have three of their products. In this entire time frame I have never experienced an issue in any way. Their fees and interest rates are fair as well as the fact that they discuss with you raising your credit limits instead of just doing it automatically. To me, at least, this helps you manage how much debt you could rack up. Additionally, 3 years ago someone pulled the old playdough under the counter trick at a restaurant in Myrtle Beach and used my card to spend about $2000 on Amazon. (keep in mind this person was a moron) Capital One took the lead with the local police, making sure the charges were fixed and they were caught considering I live 250 miles away. Overall, a 10, a complete 10 as a creditor and a company. Reviewed on: 13th April 2015

My experience has been amazing overall.

I have been with this company for over 6 months now and I love them. I have had very few issues with the company. I love that I can keep track of my credit scores with out dinging my score for checking it. Reviewed on: 13th April 2015

great

Capital One has a great customer service. Every time I need help they are there. I remember one time I ordered a gift card and it didn't work. They gave me extra points because I had to wait another two weeks. They also don't charge any foreign transaction fees when going overseas. They are a great company to have a credit card with. I remember that I was also charged for something I didn't ever charge for. They made the process simple and easy. Reviewed on: 13th April 2015

Extremely helpful

Singing up for a capital one credit card has been the best thing I've done; it's been very useful and the customer service team have been efficient and extremely helpful Reviewed on: 24th January 2015

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