In this review we assess the Capital One Classic credit card, which is the most popular card in Capital One's stable. It is aimed at people with limited credit history or poor credit scores.
Key facts about the Capital One Classic credit card
Best for: Those looking for a no-frills credit builder card
Introductory offer: No introductory offers
Representative APR: 34.9% variable
Fees: No annual fee
Perks: No specific perks
Pros of the Capital One Classic credit card
- 56 days interest free on purchases if you pay the balance off in full each month
- Possibility of two increases in the credit limit within the first year of having the account
Cons of the Capital One Classic credit card
- It has none of the perks or introductory offers that you can find with other cards
- Relatively high APR and low initial credit limit, potentially starting at just £200, although it could be as high as £1500, subject to status
How to manage your payments on the Capital One Classic credit card
Cardholders can manage their accounts through Capital One's online banking
How to apply for the Capital One Classic credit card
Use the eligibility checker to see if you are likely to be accepted and what credit limit you can get, without it affecting your credit report
Alternatives to the Capital One Classic credit card
For other options, read our article "Best credit card in the UK"
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