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Capital One UK

capitalone.co.uk
4.4

40 reviews

83%
5-star
85%
Positive
13%
1-star
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ReviewTerminal Summary

Capital One UK receives predominantly positive feedback (4.4/5) with customers praising ease of application and credit-building features, but a significant minority report serious issues with customer service quality, application processing failures, and call centre communication.

What customers love

  • Simple, fast application process and quick card delivery
  • Effective tool for building or rebuilding credit scores
  • User-friendly mobile app and easy payment management

Common concerns

  • Inconsistent application approval process with hard credit checks left on file after rejection despite initial acceptance confirmation
  • Poor quality customer service, particularly from offshore call centres with staff unable to resolve issues or provide accurate information
  • App functionality issues including balance update delays and limited transaction visibility; account access problems after card replacement

Customers mention

application processcredit buildingcustomer servicemobile appcard deliverycall centre quality
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Showing 33 5-star reviews
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Verified
EMMANUEL ADERIBIGBE
20 May 2026

Excellent & Surprisingly Good

Excellent & Surprisingly Good

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MD Shamsur Rahman Arif
20 May 2026

My First credit card in the uk

My First credit card in the uk, it was very smooth process

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Dimitrios Moulas Moulas
19 May 2026

Easy access and very good service

Easy access and very good service

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Amanda Wild
19 May 2026

Applying for the card was very easy

Applying for the card was very easy. I received the card within a week and started using it right away. The app was easy to download and easy to use.

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Audrey Ritchie
19 May 2026

Very simple set up of Account

Very simple set up of Account and company always keeping you in the loop. Wouldn't hesitate in using again and recommend to friends and family. 5 stars for overall experience

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chikaodili iheanacho
19 May 2026

I love capital one Excellent

I love capital one Excellent

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steve jenner
19 May 2026

Improved Credit Rating

I’ve only had my card a few weeks now, and since then I’ve had no problems, I’d like to add to my Apple wallet but for some reason can’t!! Other then that a great card for improving your credit rating!!

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Mohammad Farhan Younus
19 May 2026

Excellent service provider

Excellent service provider

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Mr Michael cole
19 May 2026

I had a fraud problem with another…

I had a fraud problem with another British Bank in the United Kingdom I moved to Brazil to live,and I have had a Capital One card for sometime but not used it at all.Only as an emergency I have used it and although I have to pay interest as it is a Mastercard Credit Card,but because I have'nt used it Capital One reduced the interest,grateful thanks from me,I WHOLEHEAREDLY RECOMMEND TO EVERYONE CAPITAL ONE NIT JUST IN UK but Worldwide,!!!

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Linda Twyman
19 May 2026

Straight forward application & app easy to use

The process to apply for a credit card was straightforward. I phoned once for a query and spoke to an adviser who gave me the information I needed. I also like they send reminder emails when a payment will be taken.

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Tafirenyika
18 May 2026

Customer tailored

Customer tailored, responsive, easy to manage and comprehensive service model that caters for the needs (financial) of customers. I highly recommend anyone to try Capital One and see for themselves the excellent financial services they provide. Bravo!

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Penelope
18 May 2026

Did not know what to expect

Did not know what to expect, but so surprised! Love this card and the ease you can use it and pay it back. Ive always hated money, and struggled with credit score at one point, but this card and company are amazing!

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customer
18 May 2026

Got this for one reason only

Got this for one reason only, it was something to fall back on if I’m short. I always pay in full at the end of each month, so I don’t pay interest. It’s been a life saver! Thanks capital 1 you have certainly sorted me out. A+++

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customer
18 May 2026

Great experience

Great experience ! Never believed I could ever have a credit card and I’m over the moon

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Salou John
18 May 2026

Excellent knowing I have another way of…

Excellent knowing I have another way of building my credit using my card

Page 1 of 3 · 33 5-star reviews

Capital One UK — Review Summary

Based on 40 verified customer reviews, Capital One UK holds an average rating of 4.4 out of 5 — rated Great on ReviewTerminal. 85% of customers gave 4 or 5 stars.

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