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Capital One: Classic Credit Card reviews

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

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3.98

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.

Capital One Classic Credit Card reviews (278)

Review of the Capital One, Classic Credit Card:

Great service

They give good credits depending on your budget. Reviewed on: 11th May 2017

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

Friendly staff, easy to use app

When I needed a credit card to help build my credit score, Capital One were easy to apply with and approved me quickly. Their customer service is great and the app is very clear and easy to use. Reviewed on: 1st June 2023

Everyone has a genuine chance to improve with Capital One

Capital One UK, in my view, is an exceptional credit provider as they give an extraordinary chance in the credit industry as they proactively monitor consumer behaviour in a way that allows them to positively support/influence good consumer spending habits. So it’s a win-win for them and also for the customer. The Capital One model treats consumers as members rather than ‘outsiders’. They are worthy of special praise as they don’t just act as a credit provider, they take the extra step to remotely influence consumer behaviour in a view to prevent defaults and improve credit rating in an earned manner over a period of assessment. I genuinely find Capital One to be an impressive model and strategically rewarding for those who understand & comply with their good spending T&Cs. Staff services and product information are also quite simple to use or access - and in summary, I believe the best providers ultimately focus on offering users or consumers simplicity and financial soundness mentorship. They are a credit to the UK and its financial markets even in a cost of living crisis era!! So my pick would be ..Capital One Reviewed on: 31st May 2023

Excellent service

No problems easy to contact. Good credit builder Reviewed on: 11th May 2023

Great

Capital One is really god had bad credit and the helped me get it back great job Reviewed on: 12th April 2023

Really good

Fine in evrtyway very helpful a nd kind Reviewed on: 11th April 2023

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