» Credit Cards » UK Credit Card Providers » Capital One Credit Cards

Capital One Credit Cards

9 CARDS

Capital One UK provides a variety of credit cards tailored to different needs. Their credit builder card is ideal for those looking to improve their credit score over time, while their balance transfer card can help save on existing debt. In addition, Capital One also issues other branded cards like Very Mastercard, Ocean, Luma, and thinkmoney, which are focused on supporting individuals looking to build or rebuild their credit.

Capital One

Balance Transfer Credit Card

3.6

OUR RATING

Representative APR

34.9% APR (variable)

Purchases

0% for up to 3 months, then 34.94% (variable) p.a.

Balance Transfers

0% for 18 months, then 34.94% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 34.94% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

3.6

OUR RATING

Quick Look

This Capital One balance transfer credit card may be suitable for individuals with lower credit scores who are seeking a balance transfer option. It offers a 0% interest period on balance transfers for up to 18 months, helping consumers reduce interest payments while managing existing debt.

Issuer Capital One
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening 0% on balance transfers for up to 18 months and on Purchases for up to 3 months
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 3 months, then 34.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 18 months, then 34.94% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 34.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 200.00
Maximum Credit Limit Subject To Status: £8,000

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Capital One

Classic Mastercard

4.5

OUR RATING

Representative APR

34.9% APR (variable)

Purchases

34.94% (variable) p.a.

Balance Transfers

34.94% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 34.94% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

4.5

OUR RATING

Quick Look

The Capital One Classic is a straightforward credit card designed for individuals looking to build or improve their credit score. With no added frills, it focuses on helping customers establish a positive credit history through responsible use.

Issuer Capital One
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening No annual fees
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 34.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 34.94% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 34.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 200.00
Maximum Credit Limit Subject To Status: £8,000

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Capital One

Luma Mastercard

3.6

OUR RATING

Representative APR

35.9% APR (variable)

Purchases

35.94% (variable) p.a.

Balance Transfers

35.94% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 35.94% (variable) p.a., most accepted customers get a rate of 35.9% APR (variable).

3.6

OUR RATING

Quick Look

The Luma credit card is a simple, no-frills option aimed at individuals looking to build or improve their credit score. It’s designed for those with limited or poor credit history who want to demonstrate responsible card use over time.

Issuer Capital One
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening No annual fees
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 35.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 35.94% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 35.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 200.00
Maximum Credit Limit Subject To Status: £1,500

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Capital One

Luma Purchase Mastercard

3.6

OUR RATING

Representative APR

35.9% APR (variable)

Purchases

0% for up to 3 months, then 35.94% (variable) p.a.

Balance Transfers

35.94% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 35.94% (variable) p.a., most accepted customers get a rate of 35.9% APR (variable).

3.6

OUR RATING

Quick Look

The Luma Purchase card is a credit builder option that offers 0% interest on purchases for the first 3 months. It may suit individuals with limited or poor credit histories who want to spread the cost of initial purchases while working to build their credit profile.

Issuer Capital One
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening 0% interest on purchases for up to 3 months
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 3 months, then 35.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 35.94% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 35.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 200.00
Maximum Credit Limit Subject To Status: £1,500

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Capital One

Very Mastercard

3.6

OUR RATING

Representative APR

39.9% (variable) p.a.

Purchases

39.94% (variable) p.a.

Balance Transfers

39.94% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 39.9% (variable) p.a., most accepted customers get a rate of 39.9% APR (variable).

3.6

OUR RATING

Quick Look

The Very Mastercard offers a £10 cashback incentive upon successful application, but check out the APR terms first. It may be more suitable for those who plan to repay their balance in full each month to avoid interest charges.

Issuer Capital One
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening Successfully apply and get £10 back when you place an order on Very.co.uk (T&Cs apply)
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 39.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 39.94% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 39.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 200.00
Maximum Credit Limit Subject To Status: £1,500

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Capital One

Ocean Credit Card

4.4

OUR RATING

Representative APR

39.9% APR (variable)

Purchases

39.94% (variable) p.a.

Balance Transfers

39.94% (variable) p.a. (2.90% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 39.94% (variable) p.a., most accepted customers get a rate of 39.9% APR (variable).

4.4

OUR RATING

Quick Look

The Ocean credit card is a straightforward credit builder option with no annual fees. It’s designed for individuals looking to improve their credit score over time through careful and consistent use.

Issuer Capital One
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening You may be eligible for 0% on balance transfers (subject to a 2.9% fee) and purchases for up to 6 months.
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 39.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 39.94% (variable) p.a. (2.90% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 39.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 200.00
Maximum Credit Limit Subject To Status: £8,000

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Capital One

thinkmoney credit card

4.1

OUR RATING

Representative APR

39.9% APR (variable)

Purchases

39.94% (variable) p.a.

Balance Transfers

39.94% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 39.94% (variable) p.a., most accepted customers get a rate of 39.9% APR (variable).

4.1

OUR RATING

Quick Look

The Think Money credit card is a credit builder option with no annual fees. It offers 0% interest on both balance transfers and purchases for up to 6 months (transfer fees apply). This card may suit individuals looking to manage short-term borrowing while improving their credit profile.

Issuer Capital One
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening You may be eligible for 0% on balance transfers and purchases for 6 months (balance transfers will be subject to a 2.9% fee)
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 39.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 39.94% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 39.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 200.00
Maximum Credit Limit Subject To Status: £4,000

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Capital One

Platinum

4.0

OUR RATING

Representative APR

29.8% APR (variable)

Purchases

29.84% (variable) p.a.

Balance Transfers

29.84% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 29.84% (variable) p.a., most accepted customers get a rate of 29.8% APR (variable).

4.0

OUR RATING

Quick Look

The Capital One Platinum credit card may suit individuals with fair credit who are working to build or rebuild their credit profile. It offers a competitive APR relative to other credit builder cards, making it a potential option for those seeking to improve their credit standing over time.

Issuer Capital One
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening No annual fees
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 29.84% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 29.84% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 29.84% (variable) p.a. (fees apply)
Minimum Credit Limit £ 200.00
Maximum Credit Limit Subject To Status: £1,500

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Capital One

Complete

4.3

OUR RATING

Representative APR

34.9% APR (variable)

Purchases

0% for up to 4 months, then 34.94% (variable) p.a.

Balance Transfers

0% for 4 months, then 34.94% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 34.94% (variable) p.a., most accepted customers get a rate of 34.9% APR (variable).

4.3

OUR RATING

Quick Look

The Capital One Complete card is aimed at consumers with lower credit scores who need a short-term balance transfer option. It offers 0% interest on balance transfers for up to 4 months, which may help with consolidating smaller debts or managing repayments in the short term.

Issuer Capital One
Network Mastercard
Primary Category Credit Building
Loyalty Scheme
Incentive on opening 0% on balance transfers for up to 4 months and no annual fees
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 4 months, then 34.94% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 4 months, then 34.94% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 34.94% (variable) p.a. (fees apply)
Minimum Credit Limit £ 200.00
Maximum Credit Limit Subject To Status: £1,500

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Showing all 9 credit cards

Didn’t find what you’re looking for? We also provide a full and complete view of the current UK credit card market with a dynamic database of over 120 alternative credit cards here.