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Capital One Credit Cards

Capital One offers 12 different credit Cards for every different kind of credit situation. With all different kinds of benefits, interest rates, credit limits etc., they are able to serve every type of customer regardless of their current financial situation.

Excellent Credit

For those who have excellent credit, Capitol One offers 6 great credit cards specifically for those with excellent credit. These include; The Venture Rewards Credit Card, The Quick Silver Rewards Credit Card, The Venture One Rewards Credit Card, The Platinum Prestige Credit Card, The Spark Cash For Business Credit Card, and the Spark Miles For Business Credit Card.  

  • The Venture rewards credit card: This credit card has an annual fee of $59.00 with the first year free of annual charges. This card allows you to fly with any airline, stay at any hotel of your choosing, anywhere, anytime with no limitations. With a minimum interest rate of 13.9% (subject to change based on individual credit). You will also be free of foreign transaction fees and have the ability to earn an unlimited 2x on every purchase you make with no limitations.


  • The Quick Silver Rewards Credit Card: This credit card has no annual fee and 0% interest rate until June 2015 at which time the interest rate will become 12.9%-22.9% based on individual credit. This card allows you to earn 1.5% cash back on every purchase made with no limitations to how much cash back you may receive. You may also receive a $100.00 bonus if $500.00 in purchases are made within the first 3 months of becoming a card holder.

 

  • The Venture One Rewards Card: This Credit card allows you to earn trips fast by giving you 1.25 miles per $1 spent and no annual fee. You may also receive up to 20,000 miles if you make a minimum purchases of $1,000 within the first 3 months of becoming a Venture One Rewards Credit Card holder. You have the added benefit of 0% interest rates until June, 2015 at which time rates could become between 11.9% and 19.9% based upon individual credit.

 

  • Platinum Prestige Credit Card: This credit card offers no annual fee and a 3% transfer fee on balance transfers until December 2015. With 0% interest until 2015, that would then rise to 10.9%-18.9% based on the applicant’s credit. Another feature is 0% fraud liability which entitles you to full liability protection should your card ever be stolen or lost.

 

  • Spark Cash For Business Credit Card: With this credit card you will be able to earn 2% cash back on all purchases made for your business. There is no annual fee your first year of being a card holder and a $59.00 annual fee for every year following. The card offers a low interest rate of only 13.9%-20.9% and low transfer fees. The Spark Cash for Business credit card gives you the ability to earn up to$300 in bonuses with unlimited cash rewards that have no expiration date.

 

  • Spark Miles For Business Credit Card: This credit card has an annual fee of $59.00 per year however you first years annual fee will be waved. The Spark Miles for Business Credit Card allows its customers to fly free on any airline with no blackout dates, anytime anywhere. With this credit card you also have the ability to earn 30,000 bonus miles and get 2 points back for every $1 spent on any purchase with no limitations.

Average Credit

For those with less than perfect credit (Average Credit), Capital One has created 5 credit cards specifically for those who fall into this category. These credit cards include; The Quick Silver One Rewards Credit Card, The Classic Platinum Credit Card, The Platinum Credit Card, The Journey Student Rewards Credit Card, and The Spark Classic For Business Card.

  • The Quick Silver One Rewards Credit Card: This credit card has a low annual fee of just $39.00 with the added bonus of 0% transfer fees. They also offer no interest until December of 2015. At which time the interest rate would become 22.9%. This credit card also allows you to receive 1.5% cash back on any and all purchases with no limitations. You have the ability to redeem your rewards at anytime, no minimum reward needed to access your funds.

 

  • The Classic Platinum Credit Card: With competitive rates this credit card allows you to attain a higher credit limit after payments are made on time for your first consecutive 5 months after becoming a card holder. This card charges a $39.00 annual fee but does not charge any balance transfer fees. There is full fraud coverage is your card if it is ever lost, or stolen. The card can be managed through online access making it easy to track purchases and make payments.

 

  • The Platinum Credit Card: The Platinum Credit Card has an annual fee at the low price of just $19.00. The first year the annual fee is waived. This credit card has an interest rate of approximately 24.9% and no transfer fees. The card offers free fraud coverage and you are not held liable for nay unauthorized purchases. The company will raise your credit limit if payments are made on time for your first 5 months of being a card holder. You can manage your account from any mobile or home device by using the Capital One app which provides complete access to all of your accounts.

 

  • Journey Student Rewards Credit Card: This credit card has no annual fees, and no transfer fees. It was designed to help students build credit and learn how to use and manage a credit card responsibly. This credit card provides students with low interest’s rates of only 19.8% and allows students to get cash back on all purchases with no limitations. Students can receive a raise in their credit limit after payments are made on time for 5 months in a row.

 

  • The Spark Classic for Business Credit Card: This credit card was made to help customers establish a higher credit rating for their business. With no annual fees or transfer fees this card is easy to use. The credit card also allows you to earn 1% cash back on any business purchases made with no limitations or hidden fees.

Rebuilding Credit

Capital One knows that maintaining good credit, and building credit isn’t always easy. It has created a secured credit card for those who need a way to rebuild or better their credit. This credit card is The Capital One Secured Master Card.

  • The Capital One Secured Master Card: When first starting this credit card you will be required to make a refundable security deposit of $49.00, $99.00, or $200.00. The minimum security deposit will offer you a credit limit of $200.00 and then you may deposit more to increase your credit line up to $3000. There will also be an annual fee of $29.00. The interest rate for this credit card is 22.9%.