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Capital One Classic Review
Summary
Capital One are one of the new American entrants to the UK credit card market and one of the most successful. The Capital One Classic card is made for people who have had problems getting a credit card in the past or have bad credit history. The rates are by no means competitive but this card has no annual fee making it the ideal product to rebuild your credit rating. Apply for this card even if you have been turned down for a credit card in the past.
Details
| Introductory Balance Transfers | N/A |
| Monthly Rate | N/A% |
| Period | N/A |
| Introductory Purchases | N/A |
| Monthly Rate | N/A |
| Period | N/A |
| Standard APR | 34.9% |
| Monthly Rate | 2.53% |
| Cash Advance APR | 31.1% |
| Cash Advance Fee | 3% (Min £3) |
| Minimum Payment Required | 5% (Min £5) |
| Annual Fee | None |
| Loyalty Points | None |
| Travel Accident Insurance | None |
| Free Purchase Protection | None |
| Foreign Usage Fee | 2.75% |
Other Capital One Classic Features and Benefits
- No Annual Fee
- Great choice of plastic designs
- Credit Limit between £200 and £2500
- Low monthly payments
- Instant Cash from any cash machine that displays the Visa sign
Capital One Classic Verdict
The Capital One Classic card will win no awards for features and rates. However, it still earns a 4 star rating by virtue of being the best credit builder products on the market. Anyone with poor credit history will have great difficulty in getting a credit card. People can then end up in a spiral where they can never improve their credit rating by being responsible with finance. The Capital One Classic credit card gives people that chance, and as it charges no annual fee it is the best product of it’s type available.