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US citizens in the UK · Institutions

Which Capital One UK accounts accept US citizens

Last checked

Capital One UK offers a credit card to a US person, with strings.

If you already have an account with Capital One UK, a second one there is usually the easier application, because Capital One UK has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was last updated.

At a glance

Account type Verdict Accounts Updated
Credit cards Accepts with conditions 2

Credit cards

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Accepts with conditions
Updated

US persons: needs visible UK credit history and two years of UK addresses

No nationality bar, and Capital One is unusually candid about the problem you actually have, saying that a fantastic credit history in another country cannot be transferred to the UK. It asks for two years of addresses and leans on the electoral roll, so run its soft search before applying rather than applying cold. Note it also underwrites the Post Office and Ocean cards, so those are the same decision at a different rate.

Capital One · also the lender behind Post Office and Ocean cards

Account Terms The catch
Classic Credit Card
Representative APR
34.9% APR representative
Card fee
Free
Abroad
Not published. Capital One says the non-sterling fee varies by card and to check your agreement; its own worked example uses 2.75%.
Rate as of
 Starting limits of £200 to £4,000. Cash abroad carries 3%, minimum £3, on top of the currency fee.
Balance Transfer Card
Representative APR
34.9% APR representative
Card fee
Free
Abroad
Not stated on the card page.
Rate as of
 0% on balance transfers for up to 18 months (maximum 3% transfer fee) and 0% on purchases for 3 months. Starting limits up to £8,000. Same eligibility as the Classic card: UK resident, 18 or over.

Source: Capital One UK credit cards and eligibility pages, 2026-08-17 Capital One UK's own page

Account names link to the provider's own site. No link on this page is paid. How Momo makes money. Every institution, A to Z.

Confirm your own position with a cross-border specialist. Acceptance policies and tax rules change, and your facts may differ from the general case. Rates and terms here are the provider's published figures rather than an offer, and the provider decides each application on its own criteria. Use this as a map, not a ruling. Last checked .
Tax

FATCA

Do UK banks report your account to the IRS? Yes, through HMRC, under FATCA. It is a reporting law, not a tax. Where it bites is access.