Capital One
Credit Cards Review

Compare Capital One credit cards – read our review and compare the features and benefits available from Capital One. We can help you to make an informed decision and find a card that suits you.

Capital One specialise in credit cards, so they offer an extensive range to meet a variety of needs. Whether you're looking for a low rate on balance transfers or purchases, or you have been turned down for credit in the past, you're sure to find a great credit card with Capital One.

Capital one also offers an online application service, giving you a decision on your application instantly.

All Capital One customers are provided with an online banking service giving them the flexibility to easily manage and monitor accounts, from viewing transactions, to Transfer funds and pay bills with ease. You can also be given peace of mind as all accounts are covered by Anti-fraud support.

Capital One OneRate

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Advice

Designed for people who want more rewards and enhanced security while doing what they love most - shopping online!
The Click Card gives you unlimited access to exclusive rewards with leading fashion, travel and lifestyle brands and provides enhanced security to keep your card protected. Capital One also send you new and exciting discounts every three months.

Introductory Offer
Balance Transfer Rate: 9.9% p.a.
Balance Transfer Fee: 9.9%
Purchase Rate: 9.9% p.a.
Representative APR
Purchases: 9.94% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 9.94% (variable) your Representative APR will be 9.9% (variable).
Annual Rates
Balance Transfers: 9.9% p.a.
Cash Advance: N/A
Standard Features
Credit Limit: £12,000 Max
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You have an excellent Credit History
  • You are at least 21 Years of Age
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £10,000 p.a

Credit Card Benefits

  • Capital One Click offers enhanced security when you are shopping online.

Credit Card Rewards

  • A shopping reward program available. For the first six months customers are eligible for online discounts with participating companies: 30% off Zavvi.com 25% off Travelpack.com 20% off and free delivery with Tedbaker.com 50% off viagogo.co.uk

Capital One Classic

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Advice

Credit limits start low but will rise after first 4 on-time and in-full minimum payments. Subject to status each application is judged individually.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 34.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your Representative APR will be 34.9% (variable).
Annual Rates
Balance Transfers: 34.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 34.9% p.a.
Standard Features
Credit Limit: £200 - £1500
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have some history of managing your credit even if you have had CCJs or defaults in the past
  • You're on the electoral roll
  • You have not been declared bankrupt in the last 12 months
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • Any Income Considered

Capital One Aspire World

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Advice

Earn 5% cashback on purchases for your first 3 months (max £100) and up to 1.25% unlimited cashback thereafter!!

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 19.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% (variable) your Representative APR will be 19.9% (variable).
Annual Rates
Balance Transfers: 19.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 19.9% p.a.
Annual Fee: £18
Standard Features
Credit Limit: £4,500 - £7500
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Cashback
Introductory Cashback Rate: 5% p.a. for 3 months
Standard Cashback Rate: 1.25%
Approval Criteria
  • You're aged 21 or over
  • You have an income of more than £20,000 per annum
  • You've had no CCJs or defaults in the past
  • You don't already have a Capital One credit card but have had other credit cards

Credit Card Benefits

  • Earn 5% cashback on purchases for your first 3 months (max £100) and up to 1.25% unlimited cashback thereafter
  • No Annual Fee!!

Capital One Classic Extra

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Advice

Get 0.5% cashback on all your purchases. Plus, Capital One will give you a £5 bonus to get you started earning cashback

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 34.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your Representative APR will be 34.9% (variable).
Annual Rates
Balance Transfers: 34.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 34.9% p.a.
Standard Features
Credit Limit: £200 - £1500
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have some history of managing your credit even if you have had CCJs or defaults in the past
  • You're on the electoral roll
  • You have not been declared bankrupt in the last 12 months
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • Any Income Considered

Credit Card Benefits

  • Get 0.5% cashback on all your purchases. Plus, Capital One will give you a £5 bonus to get you started earning cashback

Capital One News

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