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

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Sorry, we can't help you to apply for this product

Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that you application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

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If you see a high score, you can be fairly confident. The scores aren't a guarantee as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional fraud checks by the provider.

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In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer's acceptance criteria or we have not been able to march your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

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Great for
  • This card can help build your credit rating if you pay your monthly minimum payment on time
But be aware that
  • You must have had credit in the UK before to be eligible for this card
  • You're not eligible for this card if you've been declared bankrupt in the last 12 months

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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Sorry, we can't help you to apply for this product

Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
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Sorry, we can't help you to apply for this product

Great for
  • 0% interest on balance transfers for six months
  • This card can help build your credit rating if you pay your monthly minimum payment on time
But be aware that
  • You must have had credit in the UK before to be eligible for this card
  • You're not eligible for this card if you've been declared bankrupt in the last 12 months
  • You're not eligible for this card if you've had a CCJ in the last 12 months

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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Sorry, we can't help you to apply for this product

Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
Go to site

Sorry, we can't help you to apply for this product

Great for
  • 0% interest on balance transfers and purchases for four months
  • The rate you see here is the rate you will get, if accepted
  • This card can help build your credit rating if you pay your monthly minimum payment on time
But be aware that
  • You must have had credit in the UK before to be eligible for this card
  • You're not eligible for this card if you've been declared bankrupt in the last 12 months

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

Go to site

Sorry, we can't help you to apply for this product

Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
Go to site

Sorry, we can't help you to apply for this product

Great for
  • This card can help build your credit rating if you pay your monthly minimum payment on time
But be aware that
  • You must have had credit in the UK before to be eligible for this card
  • You're not eligible for this card if you've been declared bankrupt in the last 12 months

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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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