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Capital One credit card review

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

In this article
Capital One credit card highlights Capital One credit card: customer rating Capital One's rating broken down How we calculate Capital One's ratings

Capital One credit card highlights

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

Capital One credit card: customer rating

Customers have put Capital One in joint 22nd place in our table, awarding it a score of 65%.

Its Classic card, with a rate of 34.9% APR, ranks decently among cards designed to help borrowers build their credit rating.  

Credit Cards
Capital One review
Which? Customer Score
65%
=22nd out of 29 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Compare Capital One against 29 other credit card providers

 

Visit Which? Money Compare to find out how Capital One compares.

Capital One's rating broken down

Capital One credit card satisfaction

 

Star rating
Customer service

3 out of 5

Application process

4 out of 5

Keeping you up to date with new deals

2 out of 5

Communication of changes to terms and conditions    

2 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

2 out of 5

Dealing with queries

3 out of 5

Dealing with complaints

3 out of 5

Rewards and cash back

2 out of 5

Ability to manage online

4 out of 5

Ability to manage by mobile app

3 out of 5

Ability to manage by telephone banking

2 out of 5

Charges for using your credit card abroad

3 out of 5

How we calculate Capital One's 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 6,741 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 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.