If you have an average to excellent credit rating, then a Capital One credit card is likely to be for you. They offer competitive APRs, rewards similar to mileage points and various benefits which make them a good deal for everyone.
For anybody with average credit score, a favorite card is the Classic Platinum Credit Card. You will enjoy the benefits of Mastercard and allows a 17.9% - 22.9% APR on all purchases or transfers. Fees will include a $39 annual fee, a cash advance fee of 3% (no less than $10) and return payment and late payment fees as high as $35.
In case your card gets stolen, lost or used without your authorization, you won't be subject to any payments charged with the 0$ fraud liability protection. Simultaneously, you also get an emergency card replacement and also cash advance together with the 24-hour travel assistance service.
Talking about travel, you as well get free automatic travel insurance if you use the card to get your ticket. An accident, damage and loss coverage is also provided whenever you rent a car by using it. Likewise, you get extra warranty protection free on items you purchase with your credit card.
For individuals who wish to get some rewards from their Capital One credit card, there's the No Hassle Cash Rewards Card. It offers similar costs, rewards and fees as the Classic Platinum but with a reward aspect added too. You will get 2% cash return on purchases at gas stations and in major supermarkets along with 1% money back on all the other expenditures. The rewards don't expire and you can get your cash back at any time either as an account credit or as check.
For anybody with excellent credit history, there's two Capital One credit card with rewards to select from - the VentureOne Rewards card and the Venture Rewards card powered by VISA. They feature a lower 11.9% - 19.9% APR and amazing benefits.
On top of the 0$ fraud liability protection, 24-hour travel assistance and insurance protection, you likewise get travel upgrades and savings (complimentary at hotels, resorts and spas), complimentary concierge service (24-hours a day if you travel) together with shopping discounts (from top retailers and web-based stores).
Furthermore, you will get miles per dollar spent which you may redeem for flights, hotel accommodations, car rentals, gifts a whole bunch more - 1.25 miles per dollar with VentureOne and 2 miles per dollar with Venture. These miles don't expire so you're able to keep racking them up to use whenever you want whether it is next week or next year.
If you're a person with limited to average credit - for instance, a student - there's a Capital One credit card for you - the Journey Student Rewards card powered by VISA. It will not only assist you to build credit but you will also get rewarded for it.
It provides a 19.8% variable APR with no annual and transfer fees. There's still the 0$ fraud liability protection, 24-hour travel assistance service, travel and auto rental insurance but in addition to that, there's the 1% cash return on all purchases with a 25% bonus each month each time you pay your bill in a timely manner. You can actually cash in your cash back rewards whenever you wish since there's no expiration date.
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