Capital One Credit Cards

by John_S on November 27, 2011

Capital One Canada takes pride in being a leader on the credit card market, featuring competitive credit card terms and a variety of cards to choose from. Clients enjoy some of the best rewards programs and rates and can look into premium, classic, and guaranteed cards, suited for persons with different requirements and standard of living. Clients of Capital One can choose from low interest rate credit cards, reward credit cards, business credit cards, guaranteed credit cards, and a lot more.

Capital One Low Interest Credit Cards

Capital One offers three low interest credit cards to its individual clients. One is the Gold MasterCard with a 9.9% Interest Rate. This card is an ideal choice for clients who seek to save money on interest charges and carry a monthly balance. The income of applicants should be $30,000 or more. This credit card goes with a balance transfer and purchase rate of 9.9 percent and an annual fee of $49. The interest rate on cash advances is also set at 9.9 percent. Note that the balance transfer and purchase rate will be equal to a variable Prime rate plus 7.9 percent in January, 2015. The card also goes with a number of included benefits, among which extended warranty and price protection, baggage delay insurance, and MasterAssist Travel Assistance, among others. Another of the Capital One credit cards with low interest is the Gold MasterCard with a 11.9% Interest Rate. The rate is guaranteed for three years and set at 11.9 percent on balance transfers and purchases. The rate will become a variable rate equal to the Prime rate plus 9.9 percent in January, 2015. The annual fee is just $19. This credit card is a good pick for clients of Capital One Canada who have a minimum household income of $30,000, carry a balance, and want to save on interest charges. With this credit card, clients can opt for 1 percent cash back or rewards miles for an annual fee of $99. Those who prefer to collect bonus points earn one point for every dollar, and a bonus of 5,000 rewards miles with the first purchase. Points can be redeemed for travel, gift cards, merchandise, and cash. Clients who prefer to get cash back earn 1 percent cash back on purchases.  The total annual fee grows to $118. Additional benefits going with this card include travel accident insurance, baggage delay insurance, extended warranty, and more. Another low interest credit card offered by Capital One is the Gold MasterCard with a 14.9% Interest Rate. Again, this interest rate applies until January, 2015, when it becomes equal to the Prime rate plus 12.9 percent. Until then, the balance transfer and purchase rate is set at 14.9 percent while the interest rate on cash advances is 19.8 percent. The annual fee is zero. Note that this card is not a good fit for persons who carry a low balance and have a combined household income of less than $30,000.

Another of the Capital one credit cards with low interest is SmartLine Platinum MasterCard, featured with an interest rate of just 5.99 percent on balance transfers and purchases. The interest rate on cash advances is higher or 19.8 percent, and the annual fee is zero. This card is a good fit for persons who carry a balance, have excellent credit and a household income of at least $40,000, and carry a monthly balance. The credit card is a good choice for those who spend about $3,000 a month and want to save on interest charges. Included benefits are baggage delay insurance, extended warranty, and more. The Fusion Platinum MasterCard is yet another option for persons who look for a low interest rate credit card. It is offered with no annual fee and an interest rate of 9.9 percent on purchases and balance transfers (the interest rate is 19.8 percent on cash advances). Likely applicants carry a balance, have a household income of at least $40,000, and want to earn rewards. Every $2 spend on the card earn one bonus point.

Capital One Reward Credit Cards

Capital One Canada offers a variety of credit cards with reward incentives. One option is the Aspire Travel World MasterCard, offered with an annual fee of $120 and an interest rate equal to the Prime rate plus 16.8 percent. This credit card is an ideal choice for clients of Capital One who want to earn reward points, do not carry a balance, and have a minimum personal income of $70,000. The first purchase earns a bonus of 35,000 bonus miles, and an anniversary bonus of 10,000 is offered every year. Supplementary cards are free-of-charge and also earn reward points. One dollar charged to the card earns two bonus points. Clients enjoy a variety of added benefits including trip cancellation insurance, extended warranty, and travel emergency medical insurance. Other beneficial features are trip interruption insurance and flight delay insurance. With flight delay, persons are reimbursed for living expenses up to a limit of $1,000 per trip. Trip cancellation is also a valuable insurance cover in case an illness, injury, or another protected cause prevents cardholders from starting their trip. Cancellation expenses of up to $1,000 a day are offered. Another of the Capital One credit cards with rewards is the Delta SkyMiles World MasterCard, with an annual fee of $120, an annual fee of $49 for supplementary cards, and an interest rate of 19.8 percent. Every dollar in purchases charged to the card earns 1 Delta Mile while Delta purchases earn 2 points for every dollar. Adding an authorized user earns additional 2,500 bonus miles. A welcome bonus in the amount of 25,000 points is offered with the first purchase. This card is offered with a number of beneficial features among which trip cancellation insurance, flight delay insurance, travel accident insurance, and others. Purchase assurance and price protection are offered as well as concierge services, including assistance with arrangements for shopping, business, entertainment, and travel.

Another good choice for a rewards credit card is the Aspire Travel Platinum MasterCard, offered with an interest rate equal to the Prime rate plus 16.8 percent. This rate applies to balance transfers, purchases, and cash advances. The annual fee is zero. The first purchase earns a welcome bonus of 50,000 bonus miles. Every $1 charged to the card earns one reward mile. This credit card is an ideal choice for persons who do not carry a balance, have a household income of at least $30,000, and want to earn rewards. The typical cardholder has excellent or good credit, spends over $1,000 monthly, and pays the balance in full. A number of added benefits go with this card, including MasterAssist travel assistance, car rental collision/ loss damage waiver, extended warranty, and more. Another of the Capital One Canada credit cards with rewards is the Delta SkyMiles Gold MasterCard, which goes with a 19.8 percent interest rate, applicable to balance transfers, cash advances, and purchases. The annual fee on this card is zero. It is a good choice for clients who do not carry a balance, fly often with Delta Air Lines, and have a household income of at least $30,000. The likely applicant has good or excellent credit, a monthly spend of at least $1,000, and carries a low balance. The first purchase on the card earns 2,500 bonus points, and every $1 in Delta purchases earns one reward points. Cardholders get one point for every $2 spent on all other purchases. Beneficial features include purchase assurance, baggage delay insurance, zero fraud liability, and others.

Capital One Cashback Credit Cards

Clients who prefer to get cash back can check Capital One credit cards with cash back. Two such cards are the Aspire Cash World MasterCard and the Aspire Cash Platinum MasterCard. Clients who go with the first card earn 1.5 percent cash back on all purchases. The first purchase earns a welcome bonus of $100. The interest rate is equal to the Prime rate plus 16.8 percent, applicable to purchases, cash advances, and balance transfers. The annual fee is $120. This card is a good fit for persons who want to earn cash back, do not carry a balance, and have a personal income of at least $70,000. Likely applicants spend over $2,000 a month and have good or excellent credit. All purchases charged to the card earn 1.5 percent cash back, and clients get extra 20 percent in cash rebates on the card’s anniversary. The first purchase earns a bonus of $100. There is no limit on the cash back to be earned, and cardholders can add authorized users at no added cost, thus earning even more cash. Points do not expire, and cardholders can choose how to have their cash – by statement or credit. It is easy to redeem points online or over the phone. Cardholders who opt for this card enjoy a number of beneficial features as well. These include trip interruption insurance, flight delay insurance, travel accident insurance, zero fraud liability, and more. Another of the Capital One credit cards to check is the Aspire Cash Platinum MasterCard, offered with no annual fee, and an interest rate equal to the Prime rate plus 16.8 percent. Likely applicants for this card have a personal income of at least $30,000 and good or excellent credit. The card is also a good choice for clients of Capital One who spend over $1,000 a month, pay their balance in full, and want to earn cash back. The card earns 1 percent cash back on net purchases, and a bonus of $50 is offered with the first purchase. Cardholders can request supplementary cards and earn even more cash back. Cash rewards do not expire and can be redeemed at any time. Added benefits that go with this credit card include zero fraud liability, baggage delay insurance, purchase assurance, travel accident insurance, and others.

Capital One No Annual Fee Credit Cards

Capital One offers a variety of credit cards with no annual fee. One is the Gold MasterCard with a 14.9% Interest Rate, with no annual fee and a 14.9 percent interest rate. This card is a good choice for persons who carry a balance and want to save on interest payments. The typical cardholder has good credit. Benefits that go with this card include travel accident insurance, price protection, purchase assurance, baggage delay insurance, and more. Other Capital One credit cards with no annual fee to choose from are Delta SkyMiles Gold MasterCard, Aspire Cash Platinum MasterCard, and Aspire Travel Platinum MasterCard.

Capital One Secured Credit Cards

Clients who look for secured credit cards have plenty of options to choose from. The Guaranteed MasterCard, for example, is offered to clients of Capital One Canada who seek to rebuild credit. This credit card is offered with an interest rate of 19.8 percent and an annual fee of $59. Approval is guaranteed if the applicant does not have an existing account at Capital One, has not had an account in bad standing there, has not applied for a credit card over the last 45 working days, and is of the majority age. The annual household income of applicants should be at least $20,000. This credit card is offered with price protection, baggage delay insurance, zero fraud liability, purchase assurance, and more. Another of the Capital One credit cards offered with guaranteed approval is the Low Rate Guaranteed MasterCard, going with an interest rate of just 14.9 percent on purchases. The same rate applies to balance transfers, and the rate on cash advances is 19.8 percent. The annual fee is $79. This card is a good choice for persons who seek to strengthen or rebuild their credit, have a household income of at least $20,000, and carry a balance. Likely applicants have a low monthly spend, monthly balance of $100, and pay at least the minimum balance. Included benefits are purchase assurance, price protection, and car rental collision/ loss damage waiver, among others. The Gold Plus MasterCard is another secured credit card that helps cardholders build their credit history. The card is featured with an annual fee of $59 and a 19.8 percent interest rate. In two years, the interest rate shrinks to 13.8 percent. The credit card is offered with a number of beneficial features, among which purchase assurance, baggage delay insurance, and MasterCard Benefits such as emergency cash advances, referral to the closest ATM, 24/7 telephone access, and emergency card replacement.

The Guaranteed MasterCard for Newcomers is yet one option for persons who seek to build or strengthen their credit history. The annual fee is $59, and the interest rate is set at 19.8 percent. This card is an ideal choice for persons with no credit history in Canada who have an annual household income of over $20,000. The Guaranteed Secured MasterCard is another option for persons who want to build or rebuild credit. Security funds are required, and they may be as low as $75 or $300. This credit card goes with a credit limit of $300 or more. On closing the account, security funds are fully refundable. Likely applicants have a household income of over $20,000. The card is offered with an annual fee of $59, an interest rate of 19.8 percent, and zero fraud liability. A final option is the Low Rate Guaranteed Secured MasterCard, going with an interest rate of 14.9 percent on balance transfers and purchases and an annual fee of $69. The interest rate on cash advances is set at 19.8 percent. The card goes with included benefits such as Master RoadAssist Service, zero fraud liability, and 24/7 customer service among others.

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