Capital One

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

Its most popular card is designed for use by people with poor credit history, or those who are trying to build up their history for the first time.

The advertised APR on this card is fairly high, but that's a reflection of the perceived risks of lending to those who don't have pristine credit scores. If you can, you'd be wise to always pay off this card in full to avoid interest accumulating.

It only offers one other card, which is a balance transfer card. It comes with no transfer fee and a fairly low APR. If you're not able to get hold of 0% balance transfer cards and have some debts you need to consolidate, it might work well for you.

Capital One
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Credit cards

Ranked 18th of 34 providers reviewed.

Customer happiness 51%
Customer trust 41%
Complaints performance 73%
Transparency rating 50%
Fairer Finance score
Reviewed Spring 2019
54%

Credit cards

0% balance transfers

Capital One

0% Balance Transfers

2 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 12 months
Representative APR i 24.90%
Risk based? i
Representative balance transfer rate i 1.87%

0% purchases

Capital One

0% Balance Transfers

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 3 months
Representative APR i 24.90%
Risk based? i
Representative purchase rate i 1.87%
Number of days before interest is charged on purchases i 56 days

Credit builder

Capital One

Classic Card Credit Builder

5 stars
Representative APR i 34.90%
Representative cash transaction rate i 2.53%
Representative purchase rate i 2.53%
Risk based? i
Representative balance transfer rate i 2.53%
Initial minimum credit limit i £200

Foreign use credit cards

Capital One

0% Balance Transfers

3 stars
Representative APR i 24.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.87%

Capital One

Classic Card Credit Builder

2 stars
Representative APR i 34.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 2.53%

Money transfers

Capital One

Classic Card Credit Builder

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 34.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 2.53%

Capital One

0% Balance Transfers

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 24.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.87%