What do Capital One credit cards offer?
Capital One offers a credit-builder card designed to boost your credit score over time and a 0% balance transfer card, which could help you to save money on existing credit card debt. Credit is subject to status and terms apply.
How does Capital One compare with other providers?
Capital One achieved an average score of 72% in our latest credit card satisfaction survey, placing it joint-12th with Bank of Scotland, HSBC, MBNA and NatWest.
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 customer satisfaction category | Star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges | |
| Charges for using your card abroad | |
| Dealing with complaints and resolving problems | |
| Dealing with queries | |
| Ability to manage account online | |
| Ability to manage account by telephone | |
| Mobile app on a smartphone or tablet | |
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 Capital One’s customer score and ratings
We pick those to feature in Which? reviews based on the most popular credit card brands searched for online.
Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards.
This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.
Star ratings for each category are calculated independently of the customer score.
We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 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 APR on a Capital One credit card?
Capital One imposes a representative 34.9% APR variable rate on both of its credit cards.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular T&Cs of a provider before committing to any financial products.
