Capital One | Classic credit card

68 reviews

Representative 34.9% APR

Purchase rate: 34.94%

Representative example:

Representative Example: The standard interest rate on purchases is 34.9% p.a. (variable), so when borrowing £1,200 the Representative APR will be 34.9% (variable).

Capital One | Classic credit card customer reviews.

68 reviews

2.0 out of 5 stars


  • Online account management portal
  • Limit up to £1,500 available
  • Good option for those with bad credit
  • CCJs or defaults in the past will be considered
  • Credit builder card

Minimum criteria

  • You need to be aged 18 or over
  • You must have had credit in the past in the UK
  • Bankruptcy must have been discharged over 12 months ago
  • You must be registered on the electoral roll


  • Introductory Balance Transfer Rate: 0%
  • Introductory Balance Transfer Fee: £0
  • Introductory Purchase Rate: 0%
  • Balance Transfer Rate: 34.94%
  • Balance Transfer Fee: £3
  • Purchase Rate: 34.94%
  • Fee Amount: £3
  • Representative APR: 34.9%

About Capital One | Classic credit card

Capital One is a giant in the credit card industry which is why it is no surprise that they offer a bad credit credit card. Depending on personal circumstances, customers could receive a credit limit of £200 to £1500 with an advertised representative APR of 34.9%. The card is designed to help those with unfavourable credit work towards improving their credit score. Over 6 million customers are using the Capital One Classic credit card and potential customers can use an eligibility checker to see if they are likely to be accepted for the card without affecting their credit score. 

To apply for a Classic Credit Card, you will need to complete the application online and you can receive the decision within minutes. If you're approved then your card will take between 7 and 10 days to reach you, although the PIN will arrive first. Once you've received your card, you can apply to increase your credit limit up to two times a year. 

Company information

Registration number: 3879023


Trent House Station St, Nottingham, Notts, NG2 3HX

FCA registration

Reference No: 204440

Trading names: Capital One (Europe) plc

Place of business: Trent House Station St, Nottingham, Notts, NG2 3HX

Data protection registration

Registration No: Z4908826

Data controller: Capital One (Europe) plc

Address: Trent House Station St, Nottingham, Notts, NG2 3HX

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