Our credit cards
There are lots of different credit cards out there. We're putting all of ours on the table, so you can compare and find one that's right for you.
Classic Card
A card for everyday spends, spreading costs and building your credit score.
- £200 - £4,000 starting credit limit
- Get up to 2 credit increases a year
- Build your credit score over time
34.9% APR representative variable.
Not using your card responsibly could hurt your credit rating, making it harder to get credit in future.
Balance Transfer Card
Save on interest when you move higher rate balances to this card.
- Up to £8,000 starting credit limit
- 0% interest on balance transfers for up to 18 months (3% transfer fee)
- 0% interest on purchases for 3 months
Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.
There's more to a Capital One card
Award-winning app
Flexible credit limits
No nasty surprises
It's easy to check if you're eligible
- 1
Fill in some details
Answer some questions to help us learn more about you and your finances.
- 2
Get a clear yes or no
We'll let you know if you're eligible straight away, without affecting your credit score.
- 3
Apply for your card
If you're eligible and you think the card's right for you, apply in one tap of a button.
Credit cards come in all shapes and sizes
When you're looking for credit card deals, things can seem complicated. To help, here are some of the most common credit cards and credit card offers you'll find:
FAQs
What is a credit card?
Credit cards are a flexible way to borrow money, and a secure way to spend in shops or online. They come with useful benefits, and can have a positive impact on your credit score when used responsibly. That means paying back on time, always making at least the minimum payment, and not going over your limit.
What can I use a credit card for?
Credit cards can be a useful form of finance, letting you spread the cost of one-off purchases or everyday expenses.
Remember though to be careful with 'cash transactions', like using your card to withdraw cash from an ATM or buying foreign currency. With these transactions you'll be charged interest on that amount from the day you used your card until you've cleared that balance.
Who can apply for a credit card?
Any UK resident over 18 can apply for a card, but not everyone will get accepted.
You're more likely to be accepted if you:
- have some history of managing credit, even if you've had CCJs or Defaults in the past.
- are on the electoral roll.
- haven't declared bankruptcy in the last 12 months.
What are some benefits of getting a credit card?
There are pros and cons when it comes to taking out any sort of credit, and it's important to consider your individual circumstances.
Pros of applying for a credit card:
- It can help improve your credit score when used in a responsible way.
- It can help you spread the cost of big spends.
- A credit card can be useful for unexpected or emergency costs.
Cons of applying for a credit card:
- If you only pay the minimum amount each month, your balance could take a long time to pay back, which could cost you more in interest over time.
- If used irresponsibly, a credit card can negatively affect your credit score, making it harder to borrow in the future.
Need more help?
If you're unsure about anything on this page or would like some more info, try our FAQs page. If you can't find what you're looking for you can contact our team.