Coronavirus (COVID-19) credit card update
The Financial Conduct Authority (FCA) says credit card firms must offer payment help to support borrowers struggling financially because of the coronavirus outbreak.
Some credit card firms are also offering to increase limits and waive charges in a bid to help ease the financial hardship the pandemic has caused.
Keep up to date with the latest updates and advice related to the COVID-19 outbreak over on our dedicated Which? coronavirus information hub.
What do Capital One credit cards offer and how do they compare?
Capital One offers credit-builder cards designed to help improve your credit rating.
Below are the top credit-builder credit cards on the market. The links take you through to Which? Money Compare.
- You can compare Capital One credit cards plus hundreds of other deals on Which? Money Compare.
How does Capital One compare to other providers?
Capital One achieved a below-average customer score of 69% in our latest credit card satisfaction survey, placing it near the bottom of our table (joint 21st) of 30 providers.
Is Capital One a good credit card provider?
Our survey also reveals how Capital One customers rated the provider across 10 categories.
Find out in the table below how Capital One scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.
| Capital One credit card satisfaction ratings |
Star ratings 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. |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Dealing with queries | |
| Dealing with complaints | |
| Ability to manage online | |
| Ability to manage by mobile app | |
| Ability to manage by telephone banking | |
| Charges for using your credit card abroad | |
How we calculate Capital One’s customer score and ratings
We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.
Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.
Star ratings for each category are scored independently of the customer score.
These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.
Capital One credit card FAQs
Does Capital One offer an eligibility check?
Yes. Capital One offers QuickCheck, which is a tool that does a ‘soft search’ of your credit file, and can give you a decision in 60 seconds.
It won’t impact your credit score and means you know whether you'll be accepted before you apply.
Where are Capital One credit cards accepted?
Capital One credit cards operate on the Mastercard network, so are accepted at millions of places in the UK and abroad.
What is the minimum limit for a Capital One credit card?
Capital One offers a credit limit of between £200 to £1,500 on its credit-builder card. The credit limit you get will depend on your income and your credit history.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.
