Updated September 28, 2026 · DebitCue Editorial Team
Capital One UK vs CrediMax
Capital One UK
Higher score in this comparison
CrediMax
Where Capital One UK and CrediMax differ
| Compare | Capital One UKReviewSee alternativesSee alternatives | CrediMaxReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | £0 | BHD 0 |
| Rewards type | None | Cashback |
| Balance transfer intro period | 18 monthsHigher | 6 months |
| 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 | Airport lounge access worldwide via MasterCard Travel Pass, Up to 25% off travel bookings via trip.com, IHG Hotels and Ole Sereni Hotels, Up to 20% off car rentals at select partners, Purchase protection against theft or damage for up to 90 days, Free talabat Pro subscription and free food and grocery deliveries, Monthly flexible payment plan, Grace period of up to 25 days from statement date, up to 55 days, Annual raffle entry for cars and cash prizes, 24/7 support via online banking, mobile app and customer service |
| APR | 34.9% | Not confirmed |
| Currency conversion fee | 2.75% | Not confirmed |
| Rewards rate | Not confirmed | 30% cashback on talabat orders, up to 1% cashback on other spends |
| Balance transfer fee | 3% | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- Founded is lower at Capital One UK: 1996 vs 1999.
- Balance transfer intro period is higher at Capital One UK: 18 months vs 6 months.
- 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 CrediMax offers Airport lounge access worldwide via MasterCard Travel Pass, Up to 25% off travel bookings via trip.com, IHG Hotels and Ole Sereni Hotels, Up to 20% off car rentals at select partners.
- Support channels: only Capital One UK offers Chat.
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.
CrediMax
CrediMax is a Bahraini issuer built around talabat rewards, so it suits households and businesses that order food and groceries through the app and pay their balance down each month. Balance transfers get an intro period of 6 months under the Central Bank of Bahrain.
Score breakdown
| Area | Capital One UK | CrediMax |
|---|---|---|
| Cost | 8.7Annual fee £0 and a 3% balance transfer fee keep costs low, against 34.9% interest and 2.75% abroad. | Not confirmed |
| Offer | 9.5HigherBalance transfer intro of 18, free credit score tools, and no rewards (none). | 9.2Annual fee BHD 0 on the talabat credit card, monthly fee BHD 0 on the prepaid card, cashback rewards. |
| Trust | 9.0 | 9.0 |
Where each is licensed and available
| Country | Capital One UK | CrediMax |
|---|---|---|
| Bahrain | Not confirmed |
Additional countries for Capital One UK: 1. Additional countries for CrediMax: 1.
Where they rank in our lists
| Ranking | Capital One UK | CrediMax |
|---|---|---|
| Credit cards | 153 of 1020 | 150 of 1020 |
| Balance transfer cards | 10 of 35 | 8 of 35 |
Also worth a look
HSBC UK has balance transfer intro period at 17 to 36 months, against 18 months for Capital One UK and 6 months for CrediMax.
HSBC UK reviewWhat we checked
Capital One UK
- capitalone.co.uk: 14 facts, checked September 26, 2026
CrediMax
- credimax.com.bh: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Capital One UK | CrediMax |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Not confirmed | Rewards |
| Audience | Not confirmed | Business, Student |
| Legal entity | Capital One (Europe) plc | CrediMax B.S.C. |
| Headquarters | United Kingdom | Bahrain |
| Founded | 1996Lower | 1999 |
| Support channels | Chat, Phone, Email, Help centreCovers more | Phone, Email, Help centre |
Debit cards
| Fact | Capital One UK | CrediMax |
|---|---|---|
| Monthly fee | Not confirmed | BHD 0 |
| Card type | Not confirmed | Prepaid |
| Card network | Not confirmed | Visa |
| Currencies | Not confirmed | 33 |
Where each stands against the rest
| Fact | Capital One UK | CrediMax | Median |
|---|---|---|---|
| APR | 34.9%highest quarter | Not confirmed | 19.39% |
| Currency conversion fee | 2.75%highest quarter | Not confirmed | 1% |
| Balance transfer intro period | 18 monthsabove the median | 6 monthslowest quarter | 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.
CrediMax
Pros
- The talabat credit card has an annual fee of BHD 0, and the prepaid card a monthly fee of BHD 0
- Cashback rewards tilt towards talabat orders, with a much smaller rebate on other spending, and the card adds a free talabat Pro subscription and free food and grocery deliveries
- Balance transfer offers run an intro period of 6 months, useful for clearing a balance on a set timetable
Cons
- The rewards rate leans on talabat orders, so spending elsewhere earns a much smaller rebate
- Support runs on phone, email and help centre, which does not include live chat or a community channel
- Multi-currency is not among its features (rewards), where rewards is the only entry
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.
CrediMax
Who it suits
- Households and businesses that order food and groceries through talabat and want the spending rebated
- Business and student cardholders, the two audiences CrediMax lists for its cards
- Card users clearing an existing balance inside a short transfer window
Who should look elsewhere
- Card shoppers after a secured credit card rather than a rewards card: Chime Card (Secured Visa Credit Card) also has an annual fee of $0
- Readers who mainly want an account for spending abroad, since Wise is priced on an annual fee of £0
- Anyone shopping purely on the annual fee, since Varo Believe Secured Credit Card also charges $0
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
CrediMax
Current offer
Bonus
talabat Credit Card welcome bonus: BD 30 talabat credit
Spend BD 300 in eligible transactions within 45 days of card issuance; government, utilities and education transactions excluded
Source, checked September 26, 2026
Free bet
OSN+ Standard subscription offer: 4 months of OSN+ Standard
Active CrediMax Mastercard Platinum, World or World Elite credit card; Bahrain resident aged 18+; new OSN+ Standard Plan customers who have not used another OSN+ offer in 12 months; redeem at osnplus.com/en-bh/redeem?campaign=credimax; valid 17 August 2026 to 17 February 2027
Source, checked September 26, 2026
Country by country
| Country | Capital One UK | CrediMax |
|---|---|---|
| Bahrain | No | Yes |
| United Kingdom | Yes | No |
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.
CrediMax
What does the CrediMax talabat credit card cost to keep?+
The talabat credit card has an annual fee of BHD 0, and a no annual fee model is the standard CrediMax approach. The prepaid Cardy Ex carries a monthly fee of BHD 0. Rewards are paid as cashback, with the heaviest rebates on talabat orders.
Is CrediMax regulated, and where is it based?+
The legal entity is CrediMax B.S.C., licensed by the Central Bank of Bahrain, and its head office is in Bahrain. Customer service is listed on phone, email and help centre, alongside online banking, mobile app and customer service around the clock.
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Capital One UK
CrediMax