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Capital One: Classic Credit Card reviews

Name: Classic Credit Card
Rating: 4.05 (283 reviews)

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4.04

Based on 283 reviews, last reviewed 15th Jul 2025

25% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

52%

24%

10%

Latest highest rating:

5

My experience with them was a good one. My experience with them was a good one. They have a good customer service team Reviewed on: 15th July 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 (283)

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

Good service

Always contact about fraud and any unusual transactions Reviewed on: 19th June 2023

All things sound nice at first. Until you fall behind.

They just left me to spend and spend until I couldn't afford to pay back what I got myself into. Then the letters came. Then the threats of bailiffs plus court. When you're young nobody tells you these things. You find out the hard way. Reviewed on: 16th June 2023

Cool and useful

After 6 years waiting for my state pension this co granted a credit card Reviewed on: 15th June 2023

Great company

Credit card with a fair APR. Great security and great customer service Reviewed on: 7th June 2023

Capital one credit card pros and cons

Capital one credit cards are highly recommended due to a number of reasons. One being they have a low entry barrier meaning you do not need a high credit score to access one. Furthermore there limit increases as time progresses which is another benefit for anyone trying to improve there credit score. One downside of capital one, or something I believe they could improve on is the customer service aspect, often it is hard to resolve a problem with them over the phone. Reviewed on: 3rd June 2023

Good credit, great app!

Have a good, manageable credit limit, payments are never too high. Reminders sent out in good time without being irritating and the app is fantastic! Reviewed on: 1st June 2023

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