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

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

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.

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

Product Features & Benefits

Issuer	Capital One
Network	Mastercard
Primary Category	Credit Building
Loyalty Scheme
Incentive on opening	No annual fees
Cashback/Rewards (if applicable)	No cashback scheme
Account Fee	£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

Fees & Charges

Account Fee	£0
Late Payment	£ 12
Returned Payment	£ 12
Exceed Limit	£ 12
Duplicate Statement	£ 0
Replacement Card	£ 0
Trace Fee	£ 0
Cash Withdrawal Fee	3%
Cash Withdrawal Minimum Charge	£ 3
Foreign Usage EU	2.75%
Foreign Usage World	2.75%