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Capital One Credit Cards

When it comes to the good, the bad, and the ugly, Capital One can be described as all three rolled into one.

At the time of writing its heavily marketed 4% cashback credit card attracts a typical APR of 15.9%, and its Platinum card an APR of 9.9% with a relatively low balance transfer fee of 1.7%.

However, if you possess a credit record that’s less than perfect then you could end up paying an eyewatering 34.9% APR on your credit card purchases. Ouch.

The current 4% cashback offer applies to purchases for the first three months. Purchases made after this will earn 1% cashback. For those with a slightly impaired credit rating, Capital One’s Classic Visa Card is the APR offender, and Fools should stay clear of this credit card if they don’t pay off their balance in full each month.

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Credit Card Company Balance Transfers
rate and period		 New Purchases
rate and period		 Typical APR More Details
& Apply
  Help Icon Help Icon Help Icon  
Barclaycard Platinum Credit Card Barclaycard Platinum Credit Card 0% p.a. for 14 months (2.9% fee) 0% p.a. for 3 months Typical 14.9% APR (variable) more apply
Virgin Credit Card Virgin Credit Card 0% p.a. for 15 months (2.98% fee) 0% p.a. for 3 months Typical 15.9% APR (variable) more apply
Egg Credit Card Egg Credit Card 0% p.a. until 1st August 2009 (3% fee) 0% p.a. up to 3 months Typical 16.9% APR (variable) more apply
MBNA Credit Card MBNA Credit Card 0% p.a. until 1st June 2009 (2.9% fee) 0% p.a. until 1st Aug 2008 Typical 15.9% APR (variable) more apply
Capital One Platinum Credit Card Capital One Platinum Credit Card 0% p.a. until 1st March 2009 (3% fee) 0% p.a. until 1st March 2009 Typical 9.9% APR (variable) more apply

Other Capital One Credit Card Products

Credit Card Company Balance
Transfers
rate and period		 New
Purchases
rate and period		Typical APR Loyalty
Scheme
Details 		Apply
Capital One Bank Platinum MasterCard0% p.a. until 1st Nov 2008 (1.7% fee)0% p.a. until 1st Nov 2008 Typical 9.9% APR (variable)Noapply
Typical % APR apply
Capital One Bank Classic VisaNo introductory rateNo introductory rate Typical 34.9% APR (variable)Noapply
Capital One Bank Platinum MasterCard Tier 20% p.a. until 1st Nov 2008 (3% fee)0% p.a. until 1st Nov 2008 Typical 15.9% APR (variable)Noapply

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