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Build your credit rating

Classic credit card

Our most popular card with over 4 million people accepted.

Classic credit card

Our most popular card with over 4 million people accepted.

  • For people with bad credit or building credit
  • £200 to £1,500 credit limit
  • Up to two optional credit limit increases per year, subject to eligibility
  • Helps you stay on top of your spending when you set up email alerts
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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.

Is this credit card right for you?

Our Classic Card could help you turn bad credit into a thing of the past by building your credit.

To build your credit rating and potentially be eligible for credit limit increases, use your card sensibly by making your monthly minimum payment on time and staying below your credit limit. Not doing so could harm your credit rating.

A higher credit limit can help you with day-to-day expenses, emergency situations and one-off buys. Just remember, it also means you can run up a bigger balance, which could take longer to pay back and cost more in interest.

What is a monthly minimum payment?

There's a minimum amount you need to pay each month and we tell you what this is on your statement. You can repay more than this, up to the full balance - just make sure you pay at least the minimum. Paying only the minimum takes longer to pay off your balance and will cost you more money in the long run.

We're more likely to accept you if you:

  • Are over 18
  • Have some history of managing your credit even if you have had CCJs or defaults in the past
  • Are on the electoral roll

We're not likely to accept you if you:

  • Have not had credit in the UK before
  • Have declared bankruptcy in the past 12 months

Please note meeting these criteria does not guarantee acceptance.

For more product information read the:


See if you're likely to get this card before you apply.

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Credit questions

Credit is available subject to status and conditions. All rates are variable after their applicable introductory period. If no introductory period applies the rates are variable from the date of the agreement. If you have applied for a Capital One card in the last six months your application may be declined. If you are not a UK resident please do not apply.