A credit-building Mastercard aimed at people with limited or poor credit history, with up to two limit reviews a year.
Compare the representative APR, any introductory offers and fees, and see whether the card suits the way you spend and repay.
Look at the APR, how long any 0% offer lasts and the fees before you choose a card.
Benefits of the Capital One Classic Credit Card
- Credit building: Designed to help you build your credit score with responsible use.
- CCJs considered: Applicants with past CCJs or defaults may be considered.
- CreditWise: Free credit score and report monitoring.
- Soft-search checker: See a yes or no before you apply.
| Feature | Detail |
|---|---|
| Representative APR | 34.9% APR (variable) |
| Credit limit | £200 to £4,000 starting limit |
| Limit increases | Up to 2 credit limit increase reviews a year |
| Annual fee | None |
| Eligibility | 18+, UK resident, on the electoral roll, no bankruptcy in the last 12 months |
Key features
Credit building: Designed to help you build your credit score with responsible use.
CCJs considered: Applicants with past CCJs or defaults may be considered.
CreditWise: Free credit score and report monitoring.
About Capital One (Europe) plc
Capital One (Europe) plc is an established UK card issuer, authorised and regulated in the UK. You can check eligibility and apply online.
We compare independently and then send you to the issuer’s official website to apply. We are not a lender or credit broker.
Rates, limits and offers depend on your circumstances and are set by Capital One (Europe) plc. Representative APR shown where available.