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BUILD CREDIT, GET REWARDED.

CLASSIC EXTRA
CREDIT CARD

This credit card rewards you while you build your credit with a £10 bonus for on-time payments.

  • For people with a average to good credit history 
  • 0.5% cashback rewards on everything you buy with your card
  • £10 bonus each year when you pay on time*
  • Paying on time helps improve your credit rating
  • Pay no fees on purchases in foreign currencies
  • No annual fee


   For example, spending £50 on weekly groceries earns you £13 cashback after a year, and you could also get an annual bonus if you make your payments on time.


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?

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

Please note that meeting these criteria does
not guarantee acceptance.

Apply now

We're not likely to accept you if you have:

  • Not had credit in the
    UK before
  • Been declared bankrupt
    in the last 12 months
  • Had any CCJs or defaults in the last
    12 months

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0.5% cashback is earned on all purchases, there is no limit to the cashback you can earn. Cashback and annual bonus are paid every January as a credit to your account and your account must be open at the time. You will receive your annual bonus as long as your minimum payment has been applied to your account on or before the due date every month (you can find this date on your monthly statement). You must have used your account each year to be eligible. This bonus will be applied as long as you meet this criteria.

*In the first January of your account you will receive a proportion of the annual bonus depending on when your account was opened, in subsequent years you will receive the full annual bonus of £10.

The interest rates per annum are variable. Credit is available subject to status and conditions. If you have applied for a Capital One card in the last six months your application may be declined. If you already have a Capital One card or if you are not a UK resident please do not apply.

For more information read the Pre Contract Information and the full Credit Card Agreement.

Key features of your Capital One credit card

SUMMARY BOX
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

Representative Example
  • 34.9% APR representative variable
  • 34.94% p.a. variable on purchases
  • £1,200 assumed credit limit
Interest Rates
 

Introductory Rate

Monthly Rate

Annual Rate

Purchases

N/A

2.53%

34.94%*

Cash withdrawals

N/A

2.53%

34.94%*

Balance transfers

N/A

2.53%

34.94%*

Interest free period
  • Maximum of 56 days for purchases where the balance is paid in full every month
  • 0 days for balance transfers and cash

Subject to any interest free period that may apply.
Interest charging information No interest is payable on purchases if you pay in full the outstanding balance on your first statement by its payment due date. No interest is payable on purchases on subsequent statements if the outstanding balances on your current statement and the previous statement are paid in full by their respective payment due dates.

Otherwise the period over which interest is charged is as follows:
  From Until
Purchases Posted date Paid in full
Cash Withdrawals Posted date Paid in full
Balance Transfers Posted date Paid in full
Allocation of payments Unless you pay the outstanding balance in full, we will allocate your payments to balances which attract the highest interest rate first.

We will always allocate your payments to any amounts which have already appeared on a statement before allocating your payments to any amounts subsequently applied to your account.
Minimum repayment The monthly credit card payment is:
- the full outstanding balance if it is less than £5, but otherwise the greater of:
  • An amount equal to the total of (i) 1% of the outstanding balance on your account; (ii) interest applied to your account in that month; (iii) all Default Sums incurred in that month; and (iv) one twelfth of your Annual Fee, or
  • £5
Credit limit
Minimum credit limit £200
Maximum credit limit £1,500
Fees No Annual Fee
Charges
Balance transfer handling fee 3.0%
Cash fee 3.0%
(minimum £3)
Copy statement charge £3 (maximum £10 per request)
Foreign Usage
Payment Scheme Exchange Rate
Rates can be found at:
Visa
MasterCard
One or more of the following may apply:
Non-sterling transaction fee 0.00%
Cash Fee 3.0%
(minimum £3)
Default charges
Late and Failure to Pay Default Sum £12
Returned Payment Default Sum £12
Overlimit Default Sum £12
Returned Credit Card Cheque Default Sum £12.00
*The simple interest rate is 30.34% for purchases, 30.34% for balance transfers and 30.34% for cash withdrawals from the date of this agreement.

PRE-CONTRACT CREDIT INFORMATION

(Standard European Consumer Credit Information)

1. Contact details

Creditor.


Address.


Web address.

Capital One (Europe) plc


PO BOX 5282 Nottingham NG2 3FB


www.capitalone.co.uk

Credit intermediary.

Address.

Where relevant, the identity and address of the credit intermediary involved prior to the making of your agreement is referred to at
www.capitalone.co.uk/intermediaries



2. Key features of the credit product

The type of credit.

 

The total amount of credit.


This means the amount of credit to be provided under the proposed credit agreement or the credit limit.

We will determine your credit limit when we open your credit card account and let you know what it is when we send you your first card.


From time to time we may review and change your credit limit. We will let you know if and when your credit limit changes.

How and when credit would be provided.

If you are approved for a Capital One credit card, we will open your account and send you your PIN and credit card.


We will also issue a credit card for any extra cardholders we authorise.


We may also issue credit card cheques. The person named on the credit card or the credit card cheques can make purchases or cash withdrawals. Only you, and not the extra cardholder, can make balance transfers.

The duration of the credit agreement.

Your agreement has no fixed or minimum duration.

Repayments.

All monthly payments are due by the date stated in your monthly statement, a date usually 26 days after the statement date. Your monthly payment will be the full outstanding balance if it is less than £5, but otherwise the greater of:
(a) An amount equal to the total of (i) 1% of the outstanding balance on your account; (ii) interest applied to your account in that month; (iii) all default Sums incurred in that month; and (iv) one twelfth of your Annual Fee, or
(b) £5

Your repayments will pay off what you owe in the following order.

Unless you pay the outstanding balance in full, we will allocate your payments to balances which attract the highest interest rate first. We will always allocate your payments to any amounts which have already appeared on a statement before allocating your payments to any amounts subsequently applied to your account.

The total amount you will have to pay.


This means the amount you have borrowed plus interest and other costs.

£1,397.21


This total amount payable is for illustrative purposes and assumes a credit limit of £1,200.

Security required.


This is a description of the security to be provided by you in relation to the credit agreement.

Not applicable as we will not charge you a security deposit for this credit card.



3. Costs of the credit

The rates of interest which apply to the credit agreement

Interest rates

 

Introductory Rate

Annual Rate

Purchases

N/A

34.94%
variable

Cash
withdrawals

N/A

34.94%
variable

Balance
transfers

N/A

34.94%
variable

 

Interest is charged from the date a transaction is debited to your account until repayment. However, no interest is payable on purchases if you pay in full the outstanding balance on your first statement by its payment due date. No interest is payable on purchases on subsequent statements if the outstanding balances on your current statement and the previous statement are paid in full by their respective payment due dates.

 

We may, for any valid reason which we will notify to you, change any interest rate which is stated to be variable or the way in which interest is charged or calculated. Examples of why we may make changes to your agreement include, but are not limited to:
(1) changes in your circumstances and the way you use your account, your credit score, or our increased or decreased credit risk;
(2) changes in our funding costs or other costs of administering credit;
(3) to provide additional credit or other services;
(4) to reflect changes in banking or lending practice, or to meet our legal or regulatory obligations;
(5) to correct errors, omissions, inaccuracies or ambiguities;
(6) to reflect changes in our systems and processes or the introduction of new technology.


We will give you at least 7 days' written notice of any change to your advantage and at least 30 days' written notice of any change to your disadvantage. If we increase any variable interest rate we may permit you to pay off the outstanding balance at the interest rate which applied before the increase takes effect. You will have to pay at least the monthly payment each month.

Annual Percentage Rate of Charge (APR).


This is the total cost expressed as an annual percentage of the total amount of credit.


The APR is there to help you compare different offers.

34.9% APR variable


The following assumptions have been made to calculate the APR:

  • we assume that you borrow £1,200;
  • interest is charged at the standard purchases rate (ignoring any applicable lower introductory rate); and
  • you repay your balance over one year in twelve monthly repayments starting one month after the date of the agreement. Repayments consist of: (i) an equal amount of capital; and (ii) the interest accrued on the balance outstanding at the time the repayment is made.

In calculating the APR no account has been taken of any variation which may occur under the agreement of the rate of any item entering into that calculation.


The APR has been calculated using the interest charged at the standard purchase rate. If the Balance Transfer or Cash Withdrawal rates were used to calculate the APR then the figure may be higher.

Related Costs

 

Charge for using a specific payment method.

Not applicable as we will not charge you for making repayments to your credit card account.

Any other costs deriving from the credit agreement.

Annual membership Fee

£0

Cash fee

3.0% Minimum £3

Non-sterling transaction fee

0.00%

Balance transfer handling fee

3.0%

Copy statement fee

£3 (maximum
£10 per request)

Returned payment default sum

£12

Overlimit Default Sum

£12

Returned credit card cheque default sum

£12.00

Conditions under which the above charges can be changed.

All charges are variable. We may, for any valid reason which we will notify to you, also remove or introduce additional reasonable charges from time to time. If we do this, we will let you know. We will give you at least 7 days' written notice of any change to your advantage and at least 30 days' written notice of any change to your disadvantage. Some examples of why we may make changes to the charges payable under the agreement are set out in "Section 3 - Costs of credit", in the part dealing with the rates of interest which apply to the credit agreement.

Costs in the case of late payments.

You will be charged £12 if we do not receive your minimum payment by the due date shown on your monthly statement.

Consequences of missing payments.

Missing payments could have severe consequences. For example it could make obtaining credit more difficult, lead to your account being defaulted and potentially to legal proceedings being commenced against you.



4. Other important legal aspects

Right of withdrawal.

You have the right to withdraw from the credit agreement before the end of 14 days beginning with the day after the day on which you receive your card and a copy of the concluded agreement.

Early repayment.

You have the right to repay the credit early at any time in full or partially

Consultation with a Credit Reference Agency.

If we are unable to approve your credit card application on the basis of a consultation with a credit reference agency, we will provide you, free of charge, details of the credit reference agencies consulted. We will not do this where providing you with this information is prohibited by European Commission law or is contrary to objectives of public policy or public security.

Right to a draft credit agreement.

You have a right to receive a copy of the draft credit agreement, free of charge, when you ask, unless we are unwilling to proceed to the conclusion of the credit agreement at that time. You can also view a copy of the draft credit agreement on our website at www.capitalone.co.uk.

The period of time during which the creditor is bound by the pre-contractual information.

We reserve the right to withdraw or alter our credit card products at any time without notice.



5. Additional information in the case of distance marketing of financial services

(a) concerning the creditor

Registration number.

Company number is 3879023


Financial Conduct Authority register number is 204440.


The supervisory authority.

Financial Conduct Authority

(b) concerning the credit agreement

The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit agreement.

English law.

The law applicable to the credit agreements and/or the competent court.

Capital One credit agreements are governed by English law and any disputes regarding the credit agreements may be referred to English courts.

Language to be used in connection with the credit agreement.

The credit card agreement and all communications in connection with it will be in English.

(c) concerning redress

Access to out-of-court complaint and redress mechanism.

Details of our complaints procedure can be obtained by writing to the following address: The Manager, Executive Office, Capital One (Europe) plc, PO Box 5281, Nottingham NG2 3FA.


You also have a right to complain to the Financial Ombudsman scheme.


Print or save this document.

View the Credit Card Agreement for this product.

What are Non-Sterling Transaction Fees and when do I pay them?

When you use most credit or debit cards to make a purchase in another country, you'll be charged what they call a Non-Sterling Transaction Fee. This fee can apply even if you bought something in the UK that happened to be priced in another currency – like an item on a website, for instance.

But there is one way to avoid these fees completely, and that's to use a card with no Non-Sterling Transaction Fees, like the Classic Extra card.

So how does Capital One calculate purchases in other currencies?

The moment each purchase is made we calculate the exchange rate you'll pay using rates provided by Visa and MasterCard ®. Your card statement will always show the precise rate at which we calculated each transaction. You can always check the MasterCard and Visa websites to see the current exchange rates – and rates for any date in the past.

So are there any other travel related fees for purchases with an Classic Extra card?

No, none whatsoever, We charge no fees on purchases made in other currencies – and we charge no annual fee either. Cash fees for cash withdrawals will still apply.

Can I pay in Pounds Sterling when travelling abroad?

Yes, you can. Some merchants and retailers will give you the option to make payment in Pounds Sterling. If you go ahead and use your Classic Extra card to pay in Pounds Sterling, you'll earn up to 0.5% cashback on purchases, just as you would at home.

If you request to pay in Pounds Sterling, the amount of your transaction will be converted according to the exchange rate the merchant or retailer is offering at that time. Retailers offering this option will generally set their own exchange rates. These may be less competitive than those provided by Capital One. You should therefore check if the exchange rate being offered is reasonable before completing the transaction.

If you're happy with the rates, just pay in Pounds Sterling to keep earning up to 0.5% cashback on all purchases.