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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
J
Verified
Justin Waitt
18 May 2026

Excellent card to have....

Excellent card to have....

J
Verified
Jones Owura Owusu
18 May 2026

Is the best decision I made

Is the best decision I made

M
Verified
Mark
18 May 2026

Easy to use

Easy to use everything in the app

A
Verified
ALIREZA MOZAFARI SAKOL
18 May 2026

Best credit card ever 👌🏽

Best credit card ever 👌🏽

B
Verified
Bilal Moghal
17 May 2026

Everything worked out fine from start…

Everything worked out fine from start to finish. Easy app to use, just great.

J
Verified
John
17 May 2026

Easy to apply great service

Easy to apply great service

M
Verified
Mr Ogden
16 May 2026

Fantastic service

Fantastic service, plenty of notice on statements, dont think I could say more . Definitely recommend

L
Verified
Lee MacArthur
16 May 2026

No complaints

No complaints. Good so far

J
Verified
janet
16 May 2026

helpfull to the older person not to…

helpfull to the older person not to good with tech

J
Verified
June King
16 May 2026

Information prompt excellent…

Information prompt excellent communication through the app

A
Verified
Adrian Scanlon
16 May 2026

Fantastic

Capital one - you have been fantastic and actually gave me a break in getting my life back together , I thank you very much. Adrian

A
Verified
Andrew Grundy
16 May 2026

Brilliant there when I need really…

Brilliant there when I need really handy for me thank you

S
Verified
Shakib Rahman Porosh
16 May 2026

I love to having this card

I love to having this card, Thank you ☺️

A
Verified
Abayomi Elijah Oladiti
16 May 2026

Really amazing

Really amazing

S
Verified
Sahin
16 May 2026

Excellent company

Excellent company

Page 2 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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