Capital One credit card review
What do Capital One credit cards offer?
Capital One offers a credit-builder card designed to boost your credit score over time and a balance transfer credit card, which could help you save money on existing expensive credit card debt.
The Capital One Classic credit card is a credit builder with a limit between £200 and £1,500, depending on your circumstances, and a representative APR of 34.9% (variable). You'll get two optional credit increases per year, subject to eligibility.
The Capital One Balance Transfer credit card offers 0% on balance transfers for up to 18 months with a 3% balance transfer fee. The card is for people with an excellent credit rating and Capital One claims that it will offer a credit limit up to £8,000. The card has a representative APR of 34.9% (variable).
How does Capital One compare with other providers?
Capital One achieved a customer score of 71% in our latest credit card satisfaction survey placing it in the top half of our table in joint-10th out of 31 providers, along with John Lewis.
Find out more: visit our best credit card providers guide to read the full survey results and compare Capital One's customer score
Is Capital One a good credit card provider?
Our survey also reveals how its customers rated it across the following five categories:
| Customer satisfaction category | Capital One star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via mobile app |
Table notes: Star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review Capital One to find out more about our research.
Your Capital One credit card questions answered
Grace, our credit card expert, answers the top questions people have about Capital One credit cards.
Does Capital One offer an eligibility check?
Yes. Capital One offers QuickCheck, a tool that does a 'soft search' of your credit file and can give you a decision in 60 seconds. It won't impact your credit score and means you know whether you'll be accepted before you apply.
Where are Capital One credit cards accepted?
Capital One credit cards operate on the Mastercard network, so are accepted at millions of places in the UK and abroad.
What is the minimum credit limit for a Capital One credit card?
Capital One’s starting credit limits range from £200 to £1,500 depending on the card you go for and your credit profile.
How we review Capital One
Here's some more information about our research and the terms we use in this review.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
- Find out more: Which? symbols, logos and ratings explained
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Please note that the information in this article is for information purposes only and doesn't constitute advice. Please refer to the particular T&Cs of a provider before committing to any financial products.