Capital One Classic Extra

£200 minimum credit limit
£1,500 maximum credit limit (subject to status)
Representative 34.9% APR (variable)
  • Designed to help improve your credit rating
  • 0.5% cashback on all purchases
  • £10 annual reward for paying on time each month
  • No annual fee
  • Apply and get a response in 60 seconds
Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable).

The highlights

  • Build your credit rating and earn cashback
  • £10 annual reward for paying on time each month

Things to consider

  • Must have average to good credit history

Fees and charges

Annual fee: No annual fee.
Minimum monthly payment: All interest and default sums plus 1% of the balance or £5, depending on which is greater
Balance transfer fee: n/a
Cash withdrawal fee: 3% or minimum £3
Foreign usage fee: 2.75% within Europe / 2.75% rest of the World
Late payment charge: £12
Exceeding credit limit fee: £12
Unpaid direct debit charge: £12

Will I get this credit card?

Make sure you meet the following criteria:

  • Permanent UK resident
  • 18 or older
  • £10,000 income or more
  • Poor credit rating

Acceptance subject to terms and conditions.