In most cases, you’d ask about a company’s credit card while searching for the best credit card options. With Capital One, however, you need to ask about their credit cards. The popular lender offers a wide variety of card options and choosing the right option can be challenging. Here’s some information to help you sort through the numerous Capital One credit cards.
When a company gets as big as Capital One, it can become tough to track all of its activities! Please note that even this lengthy list isn’t comprehensive. We’ve selected several representative cards from the Capital One collection to give you a better idea of what they’re offering.
Capital One Platinum Prestige. The Platinum Prestige card sits atop of the Capital One line. Although it doesn’t have a reward program, it does feature a 0% purchase APR until May 2010, when it then shifts to a respectable 11.9% mark. Those same rates apply for transfers, which are subjected to a one-time 3% fee. There’s no annual fee with this card.
No Hassle Points Reward. If you have a solid credit card history and want a rewards card, this is Capital One’s top choice. The points program allows you to accumulate a variety of rewards and points are given on a dollar per point basis for regular purchases. If you use the card at gas stations, grocery stores or drug stores, you can get two points per dollar. The card offers a 0% APR through May 2010, with a 13.9% variable rate thereafter. Like many of the better Capital One credit cards, there is no annual fee.
Capital One Orbitz Visa Platinum. This is a reward card designed for people with excellent credit who tend to book travel through Orbitz’ online service. You accumulate three points per dollar on most Orbitz booking, with bonus points available. Capital One offers a 0% APR until May 2010 with this card before shifting to a 13.9% variable rate. Again, there’s no annual fee.
Capital One Platinum. This is one of the Capital One credit cards targeted at those with good credit. It lacks a reward program, but does extend the 0% APR through May 2010, just like the higher end cards. After May 2010, the rate hops to a variable 16.9% mark. There’s no balance transfer fee or annual fee.
MTV Visa. Capital One teamed up with the popular music and lifestyle cable channel for this card. It’s a reward card that doles out five points per dollar for entertainment purchases, two points per dollar for expenditures at fast food and coffee joints, and one point per dollar on everything else. If you pay on time, they tack on bonus points. It’s aimed at those with good credit, and has a 16.9% variable APR after May 2010. Before that, the APR is set at 0%. There’s no balance transfer fee and like many other Capital One credit cards, there’s no annual fee.
Classic Platinum for Young Adults. This is one of many Capital One credits cards designed for people with limited credit. The 0% APR is available through November 2009. After that, the rate settles at a 17.8% variable rate. There’s no balance transfer fee, but you will need to be prepared for a $19 annual fee.
Capital One Standard Platform. This is another offering for the so-called “limited credit” crowd. As is the case with most cards of this sort, the 0% APR is available through November 2009. The variable rate moves to 22.9% thereafter. Interestingly, there are no balance transfer or annual fees with this card, even though it’s not designed for those with great credit scores.
As you can see, Capital One is trying to offer products for just about anyone. If you can’t find the right fit among the existing card offers, Capital One will even let you design your own card. While the selection process can be daunting, this is one case of a lender offering tremendous flexibility to its customers. If you’re looking for the best credit card for you, looking at Capital One makes sense.












