Rebuilding credit capital one
- 1 RewardsCreditCards.org ∙ The Best Points Mileage Credit Cards
- 2 Capital One® Platinum Credit Card: Should You Get It?
- 3 Capital One Credit Rebuilding Card
RewardsCreditCards.org ∙ The Best Points Mileage Credit Cards
Capital One is one of the top ten largest financial institutions in the United States and offers consumers a wide selection of services including home and auto loans, savings and bank accounts and credit cards. Capital One credit cards are available for small businesses and personal use, and provide users with competitive low rates and offer an assortment of rewards.
The range of credit card options provided through Capital One make it an ideal choice for new credit users or students, in addition to those who want to reap benefits for business spending. Another advantage to signing up for Capital One credit cards is there are options for everyone – whether a credit store is considered ‘excellent’ or in a re-building phase.
Types of Capital One Credit Cards
Small business and personal Capital One credit cards are available and provide an option for all credit worthiness levels. For those with excellent credit, there are options between:
• Venture Rewards – Offers 2x miles on each purchase, plus a chance at 20,000 bonus miles.
• Platinum Prestige – The 0% introductory rate until June 2015 makes this card attractive for many consumers.
• Quicksilver Rewards – With each purchase, there is an unlimited 1.5% cash back opportunity. Quicksilver Rewards
Average credit users have plenty of options with ideal rewards, too. Options for these cardholders include:
• Classic Platinum – Obtain an ample credit line with an introductory rate of 0% APR.
• Platinum – After the first year of no annual fees, the Platinum increases to only $19 which is lower than most cards.
Those who need to re-build credit aren’t left out. The Secured MasterCard starts out with a security deposit, and with responsible spending the card balance can be increased without an additional deposit.
Businesses also have an ample selection of Capital One credit cards, including:
• Spark Cash for Business – Earn 2% cash back on purchases with a low APR.
• Spark Miles for Business – Two miles are earned for every dollar spent on purchases, with a possible 30,000 miles bonus.
Benefits of Capital One Credit Cards
Benefits offered with Capital One credit cards include air miles and cash back on qualifying purchases. Some of the standard benefits of being a cardholder include roadside and travel assistance, insurance for car rentals, $0 liability for fraud and an extended warranty program.
Exclusive benefits for some cards include travel upgrades, exclusive access to signature events, discounts on shopping and complimentary concierge service.
Annual Percentage Rates and Fees
Depending on the type of card selected, there are a range of annual percentage rates and annual fees to look for when completing the application. While many of the Capital One credit cards are offering a 0% introductory rate for a specific time, there are rates than vary between 10.9% all the way up to 24.9%.
Annual fees are also varied – some cards, such as the Journey Student Rewards does not require an annual fee, but others just up to $59 each year. When shopping around for Capital One credit cards, compare the benefits with the APR to get the best deal.
Capital One® Platinum Credit Card: Should You Get It?
The Capital One® Platinum Credit Card is a fairly plain credit card, intended for individuals with a fair credit score. Though it is one of the few cards that doesn't charge a balance transfer fee, it has a very high APR of 24.99%, which makes transferring balances to it almost always counterproductive. This card can be good for individuals who are slowly building up their credit score, as cardholders have the ability to do a product change down the line, and upgrade this to a better Capital One product.
Review: Our Thoughts On The Capital One® Platinum Credit Card's Value
The most outstanding feature of the Capital One® Platinum Credit Card is the fact that it has no fee for balance transfers. Typically, credit cards charge anywhere between 3% and 5% for users to move over a balance from another card. Unfortunately, the Capital One® Platinum Credit Card has a variable APR of 24.99% - significantly higher than the average credit card interest rate. Therefore, it makes very little sense to move any balance from another card onto it. The only exception, may be individuals who are currently paying a penalty APR on their credit card (which is typically anywhere between 27% and 29%). If that’s the case, and your credit score is too low to qualify for one of the better balance transfer credit cards, it makes sense to move over your balance to the Capital One® Platinum Credit Card.
This card can be a reasonable choice for consumers who’ve had difficulty being approved for other cards. If you have zero credit history, or a lower income, this card can be a good option. If your financial situation improves, and you build up your credit history, you will have the ability to upgrade this card to a better Capital One product, such as the Capital One® Quicksilver® Cash Rewards Credit Card.
Bottom Line: Since it doesn’t come with any annual fees, it’s hard to hold anything against the Capital One® Platinum Credit Card. While it doesn’t have any notable features, and has a very high interest rate, it can provide a line of credit to individuals with low FICO scores. If you are in need of credit, there are certainly worse cards to have.
Capital One® Platinum Credit Card Benefits Features
One of the only features of the Capital One® Platinum Credit Card that’s worth noting is the fact that it has no transfer fee. If you are currently paying interest on credit card debt with a rate higher than 24.99%, we recommend moving it over to this card in the event that better balance transfer offers are unavailable to you. If possible, avoid carrying a balance on this card month-to-month. Due to the high APR, you could lose a decent amount of money to interest.
Capital One Credit Rebuilding Card
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