Zable vs Capital One
Written by
Emily Tye
Reviewed by
Amy LancashireIf you're weighing up credit card options, comparing features and fees side by side is a good place to start. This page breaks down how the Zable+ credit card compares with the Capital One Classic card so you can decide which one fits your needs.
Fees & Limits
Features | Capital One Classic | Zable+ |
|---|---|---|
Starting limit | Up to £4,000 | Up to £4,000 |
Representative APR* | 34.9% | 29.9% |
Annual fee | £0 | £0 |
Overlimit fees | None | None |
Late payment fees | £12 | £12 |
Cash withdrawal fees | 3% or minimum £3 | 3% or minimum £3 |
Foreign Exchange fees on purchases abroad | 2.75% per transaction | None |
Card Features
Features | Capital One Classic | Zable+ |
|---|---|---|
Suitable for credit building | ✅ | ✅ |
Apple & Google Pay | ❌ | ✅ |
Same-day virtual card | ✅ (access card details via the app) | ✅ (if eligible) |
Refer A Friend scheme | ❌ | ✅ |
Extra Features
Features | Capital One | Zable |
|---|---|---|
App | ✅ | ✅ |
Free credit score and report | ✅ | ✅ |
Rent reporting | ❌ | ✅ |
Multi-bank spend tracking | ❌ | ✅ |
Loan offers | ❌ | ✅ |
Car insurance offers | ❌ | ✅ |
Customer Service
Features | Capital One | Zable |
|---|---|---|
Chat support | ✅ (in app) | ✅ (in app) |
Email support | ❌ | ✅ |
Open on weekends | ✅ | ✅ |
Trustpilot score | 4.2 from 4,000+ reviews (correct as of 11/06/2026) | 4.8 from 53,000+ reviews (correct as of 11/06/2026) |
Which card suits you?
Both credit cards charge no annual fee and no overlimit fee. Late payment fees and cash withdrawal charges are the same on each. The gaps worth weighing up are around interest rate, overseas spending, and what the app includes. You may want to consider Zable if:
The representative APR is important to you. Capital One Classic's representative APR is 34.9% variable. Zable's is 29.9% variable. Your offer will be dependent on your individual circumstances.
You use your card outside the UK. Capital One Classic adds 2.75% to every overseas purchase. Zable has no foreign transaction fee on purchases made abroad. Both cards charge separately for cash withdrawals.
You want to pay using digital wallets. Zable supports both Apple Pay and Google Pay.
You want to take advantage of Zable’s wider features, such as rent payment reporting. Your rent goes out every month, but it typically doesn't appear on your credit file. Zable's rent reporting feature changes that by submitting those payments to credit reference agencies, which can strengthen your credit history over time. Consistent, on-time payments are what make the difference. This feature is available independently of the Zable+ card.
You want spend-tracking built in. Capital One's app doesn't currently include spend-tracking across multiple cards and banks. With the Zable app, you can link your bank accounts to categorise your day to day spend.
What both cards have in common
The fee structure is closely matched on both cards: no annual fee, no overlimit fee, £12 for late payments, and 3% (minimum £3) for cash withdrawals. Both give you free access to your credit score and report and are FCA regulated. Both offer in-app chat support. Capital One holds a Trustpilot "Excellent" rating of 4.2; Zable's is 4.8.
*Representative example:
Based on assumed borrowing of £1200 at an interest rate of 29.9% (variable) p.a. your representative APR will be 29.9% (variable). Subject to eligibility. If you don't qualify, we may offer you a different card with its own terms.
Apply OnlineThis comparison is based on publicly available information published on the Capital One UK website and Capital One UK’s official Trustpilot page. Correct as of 11/06/2026.
