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Bringing simplicity and humanity to credit cards

Our story

We issued our very first credit card way back in 1996, and have since grown to become one of the UK’s top ten card providers.

From day one, our business has been about helping people succeed with credit. From innovative tools like our QuickCheck eligibility checker, to the way we’re driving positive change across the finance industry. It’s no wonder we’re the only card provider with a 4-star rated credit card from Fairbanking.

Simple

From knowing if you’ll be accepted before applying to making payments on your mobile, we make managing your money effortless.

Clear

We talk straight without confusing jargon. Keeping it clear and simple, so you know exactly what to expect from us.

Supportive

It’s our business to help people succeed with credit. We do this by putting customers at the heart of everything we do.

Recent Awards

2021

Moneyfacts Awards

Money Facts award logo

Four Star Rating for Personal Credit and Charge Card

Fairer Finance

Fairer Finance award logo - Credit Builder Cards 2021, Rated by Experts

Five Star Rating for Credit Building with Classic Credit Card

2020

Card and Payment Awards

Card and Payments Awards category winner logo

Winner of Best Achievement in Customer Service

Card and Payment Awards

Card and Payments Awards category winner logo

Winner of Social Inclusion in Financial Services

Card and Payment Awards

Card and Payments Awards category winner logo

Winner of Best Vulnerable Customer Strategy

2019

Card and Payment Awards

Card and Payments Awards category winner logo

Winner of Changing Lives in the Community

Card and Payment Awards

Card and Payments Awards category winner logo

Winner of Best Technology Initiative of the Year

Card and Payment Awards

Card and Payments Awards category winner logo

Winner of Best Design of the Year

Fairer Finance

Fairer Finance award logo

Five Star Rating for Credit Building with Classic Credit Card

Our commitment to gender diversity

At Capital One UK we’re proudly committed to advancing a diverse and inclusive culture, where every voice is heard and matters. We believe that everyone has a unique point of view to share, and that only by harnessing the power of our collective wisdom can we truly create the best experiences for our associates and customers.

Capital One has always been passionate about advancing gender parity in the workplace. It goes hand in hand with our core value of ‘do the right thing’. We know inclusive organisations are more successful and vibrant places to work and we want our talent pools to be as strong and diverse as possible.

We’ve been signatories of the Women in Finance Charter for six years. It’s designed to support the government’s aspiration to see gender balance at all levels across financial services firms. By signing it, we commit to:

  • Appointing an accountable executive to ensure senior leadership accountability for gender diversity
  • Setting a target and focusing on meaningful action to help us meet it
  • Publishing our progress and sharing best practice with others

Our target is to increase the representation of women in our senior management population to 40% by the end of 2025. This year, we’ve changed the definition of our target population to make sure it accurately reflects the structure of our organisation. We’ve included roles on our UK Leadership Team, Board and those within the Financial Conduct Authority’s Senior Manager and Certified Individuals Regime. We made this change informed by external benchmarking available in the Women in Finance Charter Annual Review and feel confident that these roles represent those responsible for the most senior level of decision making around culture, conduct and strategy.

As of August 2023, we have a 7:11 (women:men) gender balance in our senior management team which means that 39% of this group are women. We are on track to meet our target.

Supporting the progression of women remains a top priority for our talent agenda and this year we have continued to focus on creating positive talent journeys for our highest potential women. We are proud that our women leaders progress just as quickly as our men and we are determined to remove any barriers they may face in the workplace so that they can access the opportunities available to them.

This year, we have continued to:

  • Listen to the voices of our Business Resource Groups and invest in them so they can drive a programme of strategically aligned inclusion activity and education, informing decision-making at all levels of the organisation
  • Tailor our hybrid working programmes, inclusive benefits and employment policies to support the health and wellbeing of women, as well as speaking openly about topics such as pregnancy, menopause and infertility
  • Promote successful women role models from all walks of life so that our women can see themselves, learn from one another and know they are supported to thrive at Capital One
  • Partner with experts whose goals to increase the number of women in roles where they have been traditionally underrepresented align with ours - Examples include Women in Banking Finance, National Numeracy and Code First Girls
  • Empower ethnic minority women through our REACH Up development programme which has had over 50% women delegates so far
  • See proactive allyship from our men as a result of increased awareness about issues impacting women

We regularly monitor progress against our commitments as part of the Women in Finance Charter, and report to our Board of Directors on a quarterly basis.

Gender Pay Gap Reporting

In line with our obligations under the Equality Act 2010 (Gender Pay Gap Information) Regulations 2017, Capital One UK is required to publish information regarding our gender pay gap.

Download a copy of our 2022 report (pdf - 535kb)opens in a new tab

Download a copy of our 2021 report (pdf - 1.50mb)opens in a new tab

Download a copy of our 2020 report (pdf - 596kb)opens in a new tab

Download a copy of our 2019 report (pdf - 824kb)opens in a new tab

Download a copy of our 2018 report (pdf - 288kb)opens in a new tab

Download a copy of our 2017 report (pdf - 288kb)opens in a new tab

Our People

We like to look after our people, because they make Capital One such a great place to work. If you’d like to be a part of the team, helping us become a world-leading tech business, we’d love to hear from you.

Find a career at Capital One

Corporate Governance Reporting

The following is an extract from Capital One UK’s 2022 statutory accounts, in line with our obligations under the Companies (Miscellaneous Reporting) Regulations 2018.

Download a copy of our 2022 report (pdf - 187kb)opens in a new tab