Capital One credit cards

Best Capital One credit cards

Capital One arrived from the USA in 1997 and is now one of the UK’s 10 largest credit card companies. It issues a variety of credit cards to suit individual needs and circumstances.

Capital One, which has three million customers in the UK alone, offers one of the widest credit card ranges on the market. Whether you are looking to transfer an existing balance or need to rebuild your credit score, Capital One claims it is a ‘common sense’ company that aims to match the right card to the right person.


Compare Capital One credit cards - Sorted by APR


Capital One credit cards

Capital One offers credit cards for people looking to transfer a balance from an alternative card, as well as cards for people looking to rebuild their credit history. 

Low rate balance transfer cards are for people with an excellent credit history, so if yours is less than perfect, your application is likely to be refused.

Using a credit builder card and paying your balance off in full every month and on time will prove to lenders that you are responsible and can help improve your credit score. Credit builder cards offered by Capital One come with credit limits ranging from £200 up to £1,500. The limit you will be offered depends on your individual circumstances and you can get up to two optional credit increases a year if you’re eligible.

Capital One credit cards are fully regulated by the Financial Conduct Authority.

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

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