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

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 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.

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	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

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%