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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

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 Credit Building with Classic Credit Card

Women in Finance logo

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.

We're always pushing for greater gender diversity at every level of the business. It's at the core of what we do, which is why we signed the HM Treasury Women in Finance Charter. The Charter is designed to increase the number of women working in businesses across the financial sector. By signing it we commit to:

  • Achieving a 50:50 balance of men and women (within a 10% tolerance) in our senior management team by December 2025
  • Continually reviewing our employment and talent processes to keep diversity and inclusion at their heart
  • Ensure senior leadership awareness and accountability for gender diversity

As of March 2021, we have a 19:34 (female:male) gender balance in our senior management team, putting female representation in this group at 36%. We recognise that meeting our deliberately ambitious 2025 target will be a challenge. We are currently behind where we hoped we would be in relation to achieving this goal but we believe it is right to keep our aspirations high and are devoting energy and resources to making as much progress as possible.

We have recently refreshed our diversity, inclusion and belonging strategy, renewing our focus on achieving gender parity in our most senior roles and realigning action plans to support this priority area.

These plans include:

  • Driving Change In the Middle - Gathering insights to better identify areas for improvement in our talent pipeline, ensuring action is directed at things which people tell us will make the most difference
  • Our Career Switcher and Pathway programmes which take positive action to encourage internal mobility for women and other underrepresented groups
  • Champions of Change - a series of podcasts forming part of a targeted talent acquisition campaign to increase the number of women in technology roles
  • Inviting guest speakers and holding panel discussions relating to gender to develop People Leader awareness of barriers women with difference can face in the workplace, including reference to non-binary and gender fluidity
  • Reviewing our attraction sourcing methods, job descriptions and hiring processes to ensure best practice in inclusive recruitment
  • Recognising the importance of intersectionality and in particular promoting opportunities for ethnic minority women

In 2021 we have also remained focused on our associates and their families, keeping them safe and well during these testing times. Our Business Resource Groups play a key role in enabling women at Capital One to access the resources and support they need to continue to be successful in developing their careers. As we move into a new world of hybrid working, we will maintain this intentional focus to ensure that Capital One women can reap the benefits of increased flexibility at the same time as accessing opportunities to thrive.

We continue to 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 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 2021 statutory accounts, in line with our obligations under the Companies (Miscellaneous Reporting) Regulations 2018.

Download a copy of our 2021 report (pdf - 220kb)  opens in a new tab