Updated September 28, 2026 · DebitCue Editorial Team
Capital One UK vs Chime Card (Secured Visa Credit Card)
Capital One UK
Higher score in this comparison
Chime Card (Secured Visa Credit Card)
What sets them apart
| Compare | Capital One UKReviewSee alternativesSee alternatives | Chime Card (Secured Visa Credit Card)ReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | £0 | $0 |
| Currency conversion fee | 2.75% | 0%Lower |
| Rewards type | None | Cashback |
| Perks | Free CreditWise credit score and report, Up to 56 days interest free on new spends, Section 75 protection on spends between GBP 100 and GBP 30,000, Up to 2 credit limit increases a year, Free QuickCheck eligibility check with no impact to credit score, Round the clock fraud security | Visa Zero Liability fraud protection, Autopay feature, SpotMe overdraft protection, No credit check, Reports to 3 major credit bureaus, Access to 47,000+ fee free ATMs |
| APR | 34.9% | Not confirmed |
| Rewards rate | Not confirmed | 5% cash back on selected category (Chime Prime with $3,000+ monthly direct deposits) or 2% (Chime Plus) |
| Balance transfer intro period | 18 months | Not confirmed |
| Balance transfer fee | 3% | Not confirmed |
Same on both: Credit needed (Poor), Card kind (Credit).
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Key differences
- Founded is lower at Capital One UK: 1996 vs 2012.
- Currency conversion fee is lower at Chime Card (Secured Visa Credit Card): 0% vs 2.75%.
- Perks: only Capital One UK offers Free CreditWise credit score and report, Up to 56 days interest free on new spends, Section 75 protection on spends between GBP 100 and GBP 30,000.
- Perks: only Chime Card (Secured Visa Credit Card) offers Visa Zero Liability fraud protection, Autopay feature, SpotMe overdraft protection.
Our verdict on each
Capital One UK
Capital One UK suits UK shoppers building a score or clearing a balance, offering a balance transfer intro of 18 and credit tools with no fee to hold. The representative APR of 34.9% makes it a card to clear rather than revolve.
Chime Card (Secured Visa Credit Card)
Chime Card Secured Visa Credit Card suits people with poor credit who want a secured card with cashback and no annual fee. Its annual fee is $0, while the lack of a conventional credit check and reporting to the major credit bureaus help position it for credit building.
Score breakdown
| Area | Capital One UK | Chime Card (Secured Visa Credit Card) |
|---|---|---|
| Cost | 8.7Annual fee £0 and a 3% balance transfer fee keep costs low, against 34.9% interest and 2.75% abroad. | 9.4HigherThe secured card charges an annual fee of $0 and a currency conversion fee of 0%. |
| Offer | 9.5Balance transfer intro of 18, free credit score tools, and no rewards (none). | 9.6Higher |
| Trust | 9.0Higher | 8.5 |
Where they rank in our lists
| Ranking | Capital One UK | Chime Card (Secured Visa Credit Card) |
|---|---|---|
| Credit cards | 153 of 1020 | 158 of 1020 |
| Bad credit and credit builder cards | 10 of 23 | 13 of 23 |
Spending 1,000 abroad
Capital One UK
27.5
2.75% of 1,000
Chime Card (Secured Visa Credit Card)
0
0% of 1,000
Chime Card (Secured Visa Credit Card) comes out 27.5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Pick Capital One UK if, pick Chime Card (Secured Visa Credit Card) if
Pick Capital One UK if trust matter most.
Pick Chime Card (Secured Visa Credit Card) if cost and currency conversion fee matter most.
Licences and countries
Additional countries for Capital One UK: 1. Additional countries for Chime Card (Secured Visa Credit Card): 1.
Every fact side by side
| Fact | Capital One UK | Chime Card (Secured Visa Credit Card) |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Not confirmed | Rewards, Secured |
| Legal entity | Capital One (Europe) plc | Chime Financial, Inc. |
| Headquarters | United Kingdom | United States |
| Founded | 1996Lower | 2012 |
| Support channels | Chat, Phone, Email, Help centre | Phone, Chat, Email, Help centre |
Debit cards
| Fact | Capital One UK | Chime Card (Secured Visa Credit Card) |
|---|---|---|
| Monthly fee | Not confirmed | $0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | Capital One UK | Chime Card (Secured Visa Credit Card) | Median |
|---|---|---|---|
| APR | 34.9%highest quarter | Not confirmed | 19.39% |
| Currency conversion fee | 2.75%highest quarter | 0%below the median | 1% |
| Balance transfer intro period | 18 monthsabove the median | Not confirmed | 15 months |
| Balance transfer fee | 3%at the median | Not confirmed | 3% |
Median across 312 listed cards.
Pros and cons
Capital One UK
Pros
- Aimed at poor credit, so applicants turned down elsewhere can still apply.
- Support runs on chat, phone and email, so help is easy to reach by phone, chat, email or a help centre.
- Credit building tools come as standard: a free credit score and report, an eligibility check that leaves the credit score untouched, and round the clock fraud security.
Cons
- Representative APR of 34.9% sits above the site average of 20.97%, so an unpaid balance costs quickly.
- Foreign purchases are charged 2.75% in currency conversion, above the site average of 1%.
- The rewards type is listed as none, so nothing comes back on everyday spending.
Chime Card (Secured Visa Credit Card)
Pros
- The card has an annual fee of $0 and offers cashback.
- Its currency conversion fee is 0%.
- It is secured and designed for people with poor credit.
Cons
- Cashback is limited to a selected category rather than applying broadly.
- The higher cashback rate requires Chime Prime and qualifying direct deposits.
- Chime Plus receives a lower cashback rate.
Who each suits
Capital One UK
Who it suits
- UK applicants with poor credit who want a mainstream card rather than a secured one.
- Balances being cleared, where the 18 transfer window and 3% fee on the balance transfer card keep the move contained.
- Cardholders who pay in full and would rather build a score than chase rewards.
Who should look elsewhere
- Not for frequent foreign spend, where Wise charges 0% on currency conversion against 2.75% on this card.
- Not for anyone after a deposit backed card, since Varo Believe Secured Credit Card has an annual fee of $0 on a secured basis.
- Not for shoppers who want a rewards earn on everyday buying, as the rewards type here is none and Chime Card (Secured Visa Credit Card) offers the same credit building route.
Chime Card (Secured Visa Credit Card)
Who it suits
- People with poor credit who want a secured route to building a credit record.
- Chime Plus members who want cashback on a selected category.
- Customers who value a no annual fee card and access to fee-free ATMs.
Who should look elsewhere
- Those who want a debit-first account should compare Starling Personal Account Debit Card instead.
- People who want broad cashback rather than cashback on a selected category may prefer a different product.
- Applicants seeking a conventional unsecured credit card may find that this secured option does not suit their needs.
Current offers
Capital One UK
Current offer
First period offer
0% interest on balance transfers for up to 18 months and on purchases for up to 3 months: 0% for up to 18 months on balance transfers; 0% for up to 3 months on purchases
Balance Transfer card; up to 3% transfer fee (maximum 3%); up to GBP 8,000 starting credit limit; representative example assumes a GBP 1,200 credit limit with 34.94% p.a. variable interest on purchases giving 34.9% APR representative variable
Source, checked September 26, 2026
Country by country
| Country | Capital One UK | Chime Card (Secured Visa Credit Card) |
|---|---|---|
| United Kingdom | Yes | No |
| United States | No | Yes |
Questions about each
Capital One UK
Is there an annual fee on the Capital One UK credit card?+
There is no annual fee. The card is sold on a no annual fee model, so the annual fee is £0 and the only real cost is interest. That interest is the part to watch, at a representative APR of 34.9%, because the card is aimed at poor credit and some applicants will revolve.
What rate applies if I do not clear the balance?+
The representative APR is 34.9%, above the site average of 20.97%. New purchases sit inside the interest free window the card offers, so the rate matters most once that window runs out or a transferred balance is still unpaid.
Chime Card (Secured Visa Credit Card)
Does the Chime Card have an annual fee?+
The Chime Card Secured Visa Credit Card has an annual fee of $0. It is a secured credit card, and its stated audience is people with poor credit. The product is presented as a way to build credit without a conventional credit check.
What is the card's currency conversion fee?+
The currency conversion fee for the Chime Card Secured Visa Credit Card is 0%. That makes foreign currency transactions a notable part of the card's cost proposition for anyone using it outside the US.
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Capital One UK
Chime Card (Secured Visa Credit Card)