Are you looking for a good card to help you manage your finances better?
If yes, then Capital One credit cards offer lots of benefits for responsible behavior, and there’s plenty to choose from, based on your personal circumstances!
Let’s have a closer look at Capital One credit cards.
Credit Card Features
There are many Capital One credit cards, but most of them have similar features. However, if you decide to become a Capital One cardholder, you need to know that there are plenty of features and benefits in terms of traveling, shopping, protection, access, and more.
For instance, all of the credit cards available come with no foreign transaction fees when you are outside of the US. This is a great feature if you travel often.
Furthermore, you get automatic travel accident insurance when you buy your fare using your Capital One credit card.
Another highlight of becoming a Capital One cardholder is amazing access to Wikibuy. Wikibuy is a great shopping tool that helps you scan merchants and find the best bargains, thus saving you money the next time you go shopping.
If you already spent more than necessary, you can access Paribus, another tool that helps you find potential savings on previous shopping, and gets you the extra money back with no effort!
Another great feature is the $0 fraud liability. In other words, if your card gets stolen or lost, you are not responsible for any unauthorized charges. In terms of protection, there are also other features, such as security alerts on your phone and email if there is any suspicious activity detected.
Another great feature is that you can use virtual card numbers to pay online, keeping your actual card number secret, using Eno services. Lastly, Capital One also offers an app for its cardholders, so you can manage and even block the card immediately if it was lost, misplaced, or stolen.
One of Capital One credit cards’ main benefits is that you can also qualify with average credit, not only excellent. Additionally, there is no annual fee and no foreign transaction fee. Although APR is quite high, you can access a higher credit line after 5 timely payments.
Capital One also has online access, so you can always check your financial status. If you have average credit, using Capital One credit cards responsibly helps you strengthen your score, so you can benefit from better rates.
For average credit, you can access the Platinum Capital One card. It does not include any rewards, but it does not have an annual fee, and it can help you improve the score.
QuicksilverOne Rewards credit card is also an excellent choice for average credit, and it earns you 1.5% cash back on every purchase. Both cards have 25.99% variable APR, but QuickSilverOne has an annual fee of $39.
Who Is Eligible
You can check your eligibility here without any impacts on your credit score. Financial information and being of the age of majority in your province are the key to passing the screening tests.
Fees And Interest
The two cards mentioned above come with a 25.99% APR. The platinum card has no annual fee but also does not come with any rewards. QuickSilverOne Rewards earns 1.5% cashback on each purchase and has an annual fee of $39. Additionally, you can pay a penalty fee of up to $39 for late payments. Cash advances come with either a $10 or a 3% fee, depending on which one is higher.
How To Apply
All in all, Capital One credit cards are the best option if you have average credit or you want to strengthen your credit score.
With the Platinum Card, you can get access to a better line of credit in only 6 months, provided you use it responsibly. Make sure you check out what Capital One offers, they have great deals suitable for every need!
Risk Disclaimer: There are risks involved when applying for and using credit cards. Consult the institution’s terms and conditions page for more information.