Rating based on 26 reviews

Credit cards offered by Capital One

Updated

  • Low-interest starting from 34.9%
  • Credit cards up to £12,000

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Capital One homepage

Author Capital One. Screenshot of Capital One website. [Accessed March 25, 2020]

About Capital One

Essentially, on the off chance that you pick your credit card focused around a unique offer or only on the grounds that it’s offered by your bank, you may be in for an unpalatable surprise.

There are many cards available and comparing prizes arrangements and different peculiarities are just about inconceivable, at Capital One - we've selected the best offers, rates and rewards and created credit cards that are simply the best on the market.

We make it easy for you to compare

That is the place Capital One comes in. We've done the hard work for you. We've perused the fine print in every cardholder understanding, invested hours on the telephone with client administration and even combed through credit card articulations to better see how they function and what kind of spenders they work best for. To put it lightly - we've collected the best features and benefits and put them all into one card.

The advantages of having a credit card

In addition to having access to an instant loan the second you need it, a credit card offers you great rewards for your everyday spending and will enable you to rebuild your credit score or greatly increase it - which means you can qualify for the best promotional rates on the market for other things such as home loans and personal loans.

Capital One Services

Eighteen is a freeing age. You should be applying for your student loans as you may be attending university soon if you're not already there.

Furthermore, you can get a credit card and for many, that's super exciting. We offer a student credit card that can help you better manage your money and simply do great things during your most financially demanding years.

Get ready for the benefits

As avid as you may be to get your first credit card, numerous credit card companies aren't so excited to provide you with one. As opposed to putting in a few credit card applications to see who's going to endorse you, target simply a couple of companies that are known for giving credit cards to students or those who lack credit history.

Do your research

Being mature enough to meet all requirements for a credit card doesn't mean you're really prepared for one. You have to be sufficiently capable to charge just what you can bear the cost of and to pay your balance off consistently without delay. Getting a credit card before you're completely ready for it can be awful for your credit. Don't set yourself up for disappointment – do your research before you get one.

Capital One Product Details

  • Loan Type Credit cards
  • Interest Rate from 34.9%
  • Loan Amount up to £12,000

Summary of Services

  • Interest-free for 56 days
  • Good for people with a bad credit history
  • Apply and get a response in 60 seconds

Build your credit with a credit card from Capital One

If you have bad credit and are looking to rebuild your credit score or lack a credit history, Capital One’s Platinum Classic Credit Card is right for you.

By taking out a credit card with us and, maintaining your account by making the required minimum payments, you can rebuild your credit score over time and thereafter qualify for better products and deals. Our Classic Credit Card currently holds a Representative 34.9% APR on an assumed credit limit of £1,200 and is the perfect credit card for the job!

Features of Capital One’s classic credit card

  • Representative 34.9% variable APR
  • Minimum £200 credit limit
  • Maximum £1,200 credit limit
  • The monthly interest rate of 2.53%
  • Interest-free for 56 days if balance is paid in full
  • No interest-free period for balance transfers and cash
  • 3% balance transfer fees
  • £3 charge for statements
  • 2.75% fee for all foreign transactions (non-sterling)
  • 30.34% balance transfer charge
  • £12 late payment and over limit charge
  • Good for people with poor or no credit
  • Apply for credit online and get a response in 60 seconds

Eligibility requirements for this credit card: be aged 18 or over, some credit history, stable income and have no IVA’s or CCJ’s

Repair your credit score get a balance plus transfer credit card

If you have a good credit rating you could be eligible for our Balance Plus credit card which offers you the lowest rate transfers and no transfer fee. You can also have a credit limit of between £2,000 and £12,000 depending on your needs and eligibility. All our products are subject to status and the rate that you're offered may differ from our promotional offers as a result.

Features of the balance plus transfer credit card

  • Between £2,000 and £12,000 credit limit
  • 6.9% per annum rate on balance transfers
  • Representative 19.94% APR on a credit limit of £1,200
  • No annual fee
  • 0% handling fee for balance transfers
  • A cash fee of 3%
  • £3 copy of statement charge
  • Apply for credit online and get a response in 60 seconds
  • 2.75% fee for all foreign transactions (non-sterling)
  • Overlimit penalty fee £12
  • Returned cheque penalty fee £12

Eligibility requirements for this credit card: be aged 18 or over, good credit history, stable income and have no IVA’s or CCJ’s

Customer Reviews & Testimonials

September 2019

Very pleasant staff. I think dealing with polite, respectful people is what made my experience so much better.

Veronica B
— London —

September 2019

Finding a credit card that suits my circumstances and needs was made less complicated thanks to Capital One. Thank you for all the assistance.

Kim N
— Cambridge —

Capital One Contact Details

Contact Number

E-Mail

  • not available

Website

Physical Address


Postal Address

  • P.O. Box 5283, Nottingham, NG2 9HD, United Kingdom

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday 08:00 – 16:00
  • Sunday – Closed