Capital One

Founded in 1994, Capital One is a large US bank offering credit cards in the UK.

They issued their first credit card in the UK in 1996.

They have UK offices in Nottingham and London.

Capital One
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Credit cards

Ranked 22nd of 31 providers reviewed.

Customer happiness 51.85%
Customer trust 46.04%
Complaints performance 66.5%
Transparency rating 62.98%
Fairer Finance score
Reviewed Autumn 2022
57%

Credit cards

0% balance transfer credit cards

Capital One

Purchase and Balance Transfer Credit Card

1 stars
Duration of 0% balance transfer offer period i 6 months
Balance transfer fee during promotional period i 3%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3%
Representative balance transfer rate i 1.87%
Risk based? i

Capital One

0% Balance Transfers

1 stars
Duration of 0% balance transfer offer period i 24 or 18 or 15 or 6 months
Balance transfer fee during promotional period i 2.9% to 3%
Representative APR i 34.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3%
Representative balance transfer rate i 1.87%
Risk based? i

0% purchase credit cards

Capital One

0% Balance Transfers

1 stars
Duration of purchases offer period i 3 months or 0 months
Representative APR i 34.9%
Highest APR i 34.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.87%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Credit builder credit cards

Capital One

Classic Card Credit Builder

5 stars
Representative APR i 34.9%
Representative cash transaction interest rate i 2.53%
Representative purchase rate i 2.53%
Risk based? i
Initial minimum credit limit i £200.00
Representative balance transfer rate i 2.53%

Capital One

Low Credit Score 0% Balance Transfers

5 stars
Representative APR i 34.9%
Representative cash transaction interest rate i 2.53%
Representative purchase rate i 2.53%
Risk based? i
Initial minimum credit limit i £200.00
Representative balance transfer rate i 2.53%

Foreign use credit cards

Capital One

Classic Card Credit Builder

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 34.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 2.53%

Capital One

0% Balance Transfers

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 34.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.87%

Money transfer credit cards

Capital One

Purchase and Balance Transfer Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 24.9%
Risk based? i
Representative cash transaction interest rate i 1.87%

Capital One

Classic Card Credit Builder

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 34.9%
Risk based? i
Representative cash transaction interest rate i 2.53%

Capital One

0% Balance Transfers

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 34.9%
Risk based? i
Representative cash transaction interest rate i 1.87%