Credit Card Review & Application

Capital One MasterCard


out of 5

- Get the credit you need with no processing fees or application fees
- $0 Fraud Liability if your card is lost or stolen
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
- Access your account 24/7
- Monitor your spending with free e-mail and text message alerts
- Automatic reporting to the 3 major credit bureaus
- Find pre-qualified card offers in 60 seconds without affecting your credit score

Introductory APR: 0%*
Introductory Period: See Terms
APR on Purchases: 10.9% - 24.90% (variable)*
Annual Fee: N/A*
Card Issuer: Capital One
Card Network: MasterCard®
Card Category: Consumer (Regular)
Card Type: - Low Interest Credit Card
- Reward Card
Credit Needed:  *

In the world of personal finance, Capital One is a juggernaut. This giant company develops credit card products that service people who live or travel all over the world. Their credit cards offer unique benefits that you are unlikely to find anywhere else. Perhaps they develop such a wide variety of products because they have such a large influence and desire only to provide the best possible access to credit, and the auxiliary benefits that go with it, to as many people as possible.

If you watch any amount of television then you are probably aware of the innovative marketing that Capital One uses to attract their customers. These marketing campaigns only further indicate the company's willingness to think creatively about what their customers need. That is why when you carry a Capital One MasterCard, you get access to all kinds of basic credit card benefits as well as several different kinds of secondary and specialized benefits. There are so many combinations that it is very likely they have something you will appreciate.

For example, if you are new to credit Capital One might be able to offer you a credit card with very simple access to credit that also regularly reports your responsible credit management to the three major credit bureaus to help you establish a credit history. On the other hand, if you already have some credit, you might be more interested in the fact that Capital One also has a few balance transfer cards that help you save money by moving your existing to a credit to a new card with a lower rate.

If incentive programs are more your thing, you will be happy to note that Capital One credit cards usually also feature one or more incentive reward programs. These programs could let you earn rewards points towards a handful of different benefits that include cash rebates, travel rewards, brand name gift cards, merchandise, and much more. Depending on the card, you could earn points with every purchase or on a particular category. Some cards might offer you more points on certain categories while also offering single points with every purchase. Reward points often have no limit or expiration as well.

Finally, because these credit cards bear the distinctive MasterCard symbol, you will also get several of their most popular benefits too. This includes consumer protection like Purchase Assurance and Warranty Extension that make sure you get the price on what you buy and that they can be replaced, refunded, or repaired if necessary. You will also likely get travel insurance and emergency coverage that help you whether driving on a local road or flying to faraway places.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Cash Back Reward Cards
- Universal Reward Cards
Rewards: See Terms and Conditions
Expiration: None*
Yearly Limit: None
Other Benefits: See Terms and Conditions
Online Account Access: Yes
Introductory APR: 0%*
Introductory Period: See Terms*
APR on Purchases: 10.9% - 24.90% (variable)*
Annual Fee: N/A*
Grace Period: 25 days*
Late Payment Fee: See Terms*
Balance Transfer: No
APR Cash Advances: 24.90%
Cash Advance Fee: 3.00%
Minimum Fee: $10.00
Additional Fees Return Check Fee: $35.00

We do not offer online application for this card at the moment.

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† The information provided for Capital One® MasterCard® is believed to be accurate at the time of evaluation (Oct 31, 2012). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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