Capital One credit card review

Credit cards

Capital One credit card review

By Rob Goodman

Article 6 of 16

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Capital One credit card review

Find out how Capital One has been rated in our latest customer satisfaction survey.

Capital One credit cards

Customers have put Capital One in an unceremonious 20th place in our table – though its score has climbed eight points (to 63%) since our last survey. It's Classic Platinum card, with a rate of 29.8% APR, ranks decently among cards designed to help borrowers build their credit rating.  


Customer score

=20th out of 30 credit card providers


Capital One credit card highlights

  • Easy to manage online and by phone
  • Good card for building credit rating
  • Can manage card by smartphone apps

Trying to find the best credit card? The Which? Money Compare comparison tables let you search hundreds of credit cards to help you choose the most suitable deal for you based on quality of service, as well as cost and benefits.

Visit Which? Money Compare to find out how they compare.

Capital One credit card satisfaction
Customer service  
Application process  
Keeping you up to date with new deals  
Communication of changes to terms and conditions  
Clarity of statement  
Transparency of charges and penalties  
Dealing with queries and complaints  
Rewards and cash back  
Ability to manage online  
Ability to manage by telephone banking  
Charges for using your credit card abroad  

Table notes:

  • Star ratings out of five show levels of satisfaction for each category.
  • Where no stars are given, we received too few responses in our survey to award a score.

How we calculate these ratings

Credit card providers chosen for our Which? brand reviews are based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 5,952 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend. 

Star ratings shown for each category are scored independently of the customer score. These surveys are carried out every six months and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.

  • Last updated: November 2016
  • Updated by: Dean Sobers