Capital One http://www.wisebread.com/taxonomy/term/1062/all en-US Extra Cash for Your Small Business: Capital One Spark Cash Select for Business Credit Card http://www.wisebread.com/extra-cash-for-your-small-business-capital-one-spark-cash-select-for-business-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/extra-cash-for-your-small-business-capital-one-spark-cash-select-for-business-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000018269558_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>If you prefer flat rate rewards programs over rotating categories, the <a href="http://ct.wisebread.com/click.php?pg=181&amp;pid=104&amp;pp=0&amp;uv=sname&amp;fot=1329 ">Capital One&reg; Spark&reg; Cash Select for Business Credit Card</a> is one of simplest and most convenient, no-fee business rewards credit cards available. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses?ref=review">5 Best Credit Cards for Small Businesses</a>)</p> <h2>Why We Like This Card</h2> <ul> <li>$200 one-time cash back bonus</li> <li>1.5% cash back on all purchases</li> </ul> <h2>How This Card Works</h2> <p>This card awards a flat rate of 1.5% cash back on all purchases made with the card. You can earn an unlimited amount of cash back, which does not expire for the life of the account.&nbsp;</p> <p><strong>One-time bonus</strong>: Earn a one-time $200 cash bonus after spending $3,000 on purchases within 3 months from account opening. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=review">5 Best Credit Cards That Offer Bonus Cash for Sign-Up</a>)</p> <p>You can request your cash back as a statement credit or check in any amount, with no minimum requirements.</p> <h2>Other Benefits</h2> <p><strong>Free employee cards</strong>. Add employees to your account, set limits, and track spending at no additional charge.&nbsp;</p> <p><strong>Business tools</strong>. Capital One provides tools which can assist in managing and organizing your business expenses such as quarterly and year-end custom itemized reports of your spending and purchase records that you can download into formats such as QuickBooks and Excel.</p> <p><strong>Visa SavingsEdge</strong>. Ttake advantage of savings and discounts of as much as 15 percent with retailers such as Wyndham Grand Hotels and Resorts and OfficeFurniture.com.</p> <p><strong>Travel assistance services</strong>. These services are available 24 hours a day, every day of the year and are helpful when you are traveling for business and include assistance with services such as ticket replacement, and legal or medical referrals.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>13.99% - 21.99% Variable APR (0% introductory APR on purchases for 9 months)</li> <li>$0 Balance Transfer Fee</li> <li>$0 Foreign Transaction Fee</li> </ul> <p><a target="_blank" href="http://ct.wisebread.com/click.php?pg=181&amp;pid=104&amp;pp=0&amp;uv=sbutton2&amp;fot=1329" rel="nofollow"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" class="img-exempt" width="154" height="50" /></a></p> <h2>Considerations</h2> <p><strong>Low rate of rewards</strong>. If the majority of your spending falls into a particular category such as gasoline or office supplies, you can earn more rewards with credit cards that award those purchases. (See also <a href="http://www.wisebread.com/best-credit-cards-for-office-supply-purchases?ref=review">5 Best Credit Cards for Office Supply Purchases</a>)</p> <h2>Who This Card Is Best For</h2> <p>The Capital One Spark Cash Select for Business Credit Card is best for small business owners whose spending varies and does not fall into any specific category from month to month. This card is also one of the best available for small businesses because it is essentially fee-free and is especially ideal if you frequently travel abroad or need to make international purchases.</p> <p style="text-align: center;"><strong><a href="http://ct.wisebread.com/click.php?pg=181&amp;pid=104&amp;pp=0&amp;uv=send&amp;fot=1329 ">Click here to learn more and apply for the Capital One&reg; Spark&reg; Cash Select for Business Credit Card today!</a></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/extra-cash-for-your-small-business-capital-one-spark-cash-select-for-business-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/easy-business-rewards-capital-one-spark-miles-for-business-credit-card-review">Easy Business Rewards: Capital One Spark Miles for Business Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-rewards-for-your-business-capital-one-spark-cash-for-business-credit-card-review">Unlimited Cash Rewards for Your Business: Capital One Spark Cash for Business Credit Card Review</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Unlimited Cash Back: The Quicksilver Cash Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card">A Card That Works Hard for Those with Average Credit: Capital One&amp;reg; Platinum Credit Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Capital One credit card reviews small business Wed, 11 May 2016 21:18:26 +0000 Christina Majaski 1689467 at http://www.wisebread.com Get Rewarded for Entertainment: Sony Card from Capital One http://www.wisebread.com/get-rewarded-for-entertainment-sony-card-from-capital-one <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/get-rewarded-for-entertainment-sony-card-from-capital-one" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000084740085_Large.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you are a fan or frequent shopper of Sony&rsquo;s vast array of merchandise, the <a href="http://ct.wisebread.com/click.php?pg=202&amp;pid=123&amp;pp=0&amp;uv=sname&amp;fot=1345">Sony&reg; Card from Capital One&reg;</a> can help you reap even more value out of your Sony purchases. (See also:<a href="http://www.wisebread.com/store-credit-cards-that-dont-suck?ref=review"> Store Credit Cards That Don&rsquo;t Suck</a>)</p> <h2>How This Card Works</h2> <p>This card awards 5&nbsp;Sony Rewards points per $1 spent on select entertainment purchases including digital streaming and subscription services, concert and sporting events, music and video downloads and movie and theater tickets, 5&nbsp;points per $1 spent on Sony&reg; products at authorized retailers with purchase confirmation, and 1 point on other purchaes.&nbsp;However, in order to receive the full five points for Sony purchases, you must submit an additional Bonus Points Form. There is no annual fee.</p> <p><strong>Bonus offer</strong>: Earn a $50 Statement Credit after your first card purchase within 90 days from account opening.</p> <p>You can redeem your points online through the Sony Rewards Catalog for Sony merchandise such as electronics, games, movies, music, or gift cards.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>14.99% - 24.99% Variable APR (0% intro APR on purchases until May 2018)</li> <li>$0 Balance Transfer Fee</li> <li>$0 Foreign Transaction Fee</li> </ul> <p><a rel="nofollow" href=" http://ct.wisebread.com/click.php?pg=202&amp;pid=123&amp;pp=0&amp;uv=sbutton2&amp;fot=1345" target="_blank"><img class="img-exempt" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" height="50" width="154" /></a></p> <h2>Pros</h2> <p><strong>Bonus offer</strong>. Earn a $50 Statement Credit after your first card purchase within 90 days from account opening.&nbsp;Although this isn&rsquo;t the most valuable sign-up bonus offered with a credit card, it is fairly simple to earn and only requires making a purchase rather than meeting a specific spending requirement. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=review">5 Best Credit Cards That Offer Bonus Cash for Sign Up</a>)</p> <p><strong>Introductory APR for purchases</strong>. If you plan on making a large purchase, especially with Sony, you can save money paying down your balance without paying extra in finance charges until May 2018. It is important, however, that you pay down the balance completely during the introductory period in order to maximize your savings and avoid interest charges. (See also: <a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards?ref=review">5 Best Low Interest Rate Credit Cards</a>)</p> <p><strong>No fees</strong>. This card has <a href="http://www.wisebread.com/the-5-best-credit-cards-with-no-annual-fees?ref=review">no annual fee</a>, <a href="http://www.wisebread.com/5-best-credit-cards-with-no-balance-transfer-fees?ref=review">no balance transfer fee</a>, and <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=review">no foreign transaction fee</a>, which is rare among rewards credit cards. The absence of these common credit card fees makes this card ideal if you need to transfer a balance and if you frequently travel abroad or make foreign transactions with the card, as you&rsquo;ll be saving yourself quite a bit of money.</p> <p><strong>Bonus points potential</strong>. You can earn the most points for your Sony purchases with this card than with any rewards credit card. Even if you don&rsquo;t spend exclusively on Sony purchases, there are valuable opportunities to earn on other purchases such as digital streaming and subscription services, and at movie theaters that other rewards cards don&rsquo;t offer.</p> <h2>Cons</h2> <p><strong>No introductory APR on balance transfers</strong>. Although you can transfer without paying a balance transfer fee, there isn&rsquo;t a 0% introductory APR for balance transfers. In order to save the most money on a balance transfer with this card, it&rsquo;s crucial that you transfer a balance from a credit card charging a higher APR than the one on this card. Otherwise, you could end up paying more in interest in the long run. (See also: <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=review">Best Credit Cards for Balance Transfers</a>)</p> <p><strong>Redemption limited to merchandise and gift cards</strong>. Beyond redeeming your points for Sony merchandise, music and movies, your redemptions options on this card are very limited. You can redeem your points for gift cards to popular retailers and restaurants that aren&rsquo;t specifically related to Sony or entertainment, but that isn&rsquo;t the same as redeeming for cash that you can spend however you like. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-for-entertainment-purchases?ref=review">5 Best Credit Cards for Entertainment Purchases</a>)</p> <p><strong>Bonus Points Form requirement</strong>. One of the most significant disadvantages of this card is the requirement to submit a Bonus Points Form in order to receive all of the points earned on Sony purchases. Many cardholders might view this step as a hassle and may even forget to submit the form, which will result in only earning one point per dollar spent on Sony products and services instead of the five points they could be earning on those purchases. If you find it too much of a hassle to submit the necessary forms, then you might be better off with a card that&nbsp;awards a <a href="http://www.wisebread.com/best-credit-cards-that-offer-flat-rate-rewards-for-all-spending?ref=review">flat rate cash back for all purchases</a>.</p> <h2>Who This Card Is Best For</h2> <p>The Capital One Sony Card is best for those who frequently make Sony purchases or other entertainment related purchases such as digital streaming and at movie theaters. Although there is an added inconvenience of submitting a form in order to get the full bonus points for Sony purchases, this card has no annual fee, no foreign transaction fee, and a simple to get bonus.</p> <p style="text-align: center;"><strong><a href="http://ct.wisebread.com/click.php?pg=202&amp;pid=123&amp;pp=0&amp;uv=send&amp;fot=1345">Click here to learn more and apply for the&nbsp;Sony&reg; Card from Capital One&reg; Credit Card today!</a></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/get-rewarded-for-entertainment-sony-card-from-capital-one">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Unlimited Cash Back: The Quicksilver Cash Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card">A Card That Works Hard for Those with Average Credit: Capital One&amp;reg; Platinum Credit Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-buypower-get-your-dream-gm-car">GM BuyPower Card from Capital One: Get Your Dream GM Car</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit">Capital One® Secured Mastercard®: The Best Option for Repairing Your Credit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Capital One credit card reviews Tue, 10 May 2016 21:24:59 +0000 Christina Majaski 1698462 at http://www.wisebread.com Unlimited Cash Rewards for Your Business: Capital One Spark Cash for Business Credit Card Review http://www.wisebread.com/unlimited-cash-rewards-for-your-business-capital-one-spark-cash-for-business-credit-card-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/unlimited-cash-rewards-for-your-business-capital-one-spark-cash-for-business-credit-card-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000082557113_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The <a href="http://ct.wisebread.com/click.php?pg=182&amp;pid=30&amp;pp=0&amp;uv=sname" target="_blank">Capital One&reg; Spark&reg; Cash for Business Credit Card</a>&nbsp;offers the&nbsp;opportunity to earn cash back for your business purchases. Here are the features that separate it from other business cards, to help you determine if this card is best for your business. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses?ref=review">5 Best Credit Cards for Small Businesses</a>)</p> <h2>Why We Like This Card</h2> <ul> <li>$500 one-time cash bonus offer</li> <li>2% cash back for all purchases</li> </ul> <h2>How This Card Works</h2> <p>This card awards 2% cash back on all purchases made with the card. There is no limit to the amount of cash back you can earn, and your rewards do not expire for the life of the account.&nbsp;</p> <p><strong>Bonus offer</strong>: Earn a one-time $500 cash bonus after spending $4,500 on purchases within 3 months of account opening.</p> <p>You can redeem your cash back in any amount without any minimum requirements, in the form of a statement credit or check.</p> <h2>Other Benefits</h2> <p><strong>Free employee cards</strong>. You can add employee cards to your account, set individual limits, and track spending at no additional cost, which will allow you to earn cash back on the purchases they make.</p> <p><strong>Small business tools</strong>. Create and download quarterly and year-end summaries of custom, itemized reports, to help manage and organize your finances.</p> <p><strong>Visa business benefits</strong>. This card includes Visa business benefits such as auto rental collision damage waiver, purchase security and extended protection, and travel and emergency assistance services for help with services such as legal or medical referrals or ticket replacement when you are traveling.</p> <h2>Costs</h2> <ul> <li>$95 Annual Fee (waived the first year)</li> <li>17.99% Variable APR</li> <li>$0 Balance Transfer Fee</li> <li>$0 Foreign Transaction Fee</li> </ul> <p><a target="_blank" href="http://ct.wisebread.com/click.php?pg=182&amp;pid=30&amp;pp=0&amp;uv=sbutton2&amp;fot=1330" rel="nofollow"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" class="img-exempt" width="154" height="50" /></a></p> <h2>Pros</h2> <p><strong>Valuable bonus</strong>. The spending requirement of $4,500 is slightly higher than most bonuses, but the bonus itself is also more than the amount that credit cards usually offer. If you need to make a large business purchase right away, you can essentially receive a $500 discount just for using your credit card. This bonus can also help cover the annual fee for several years after the first waived year. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=review">5 Best Credit Cards That Offer Bonus Cash for Sign-Up</a>)</p> <p><strong>No balance transfer fee</strong>. If you need to transfer and pay down a balance currently on a credit card with a higher APR, you can do so without paying the fee typically charged by most business credit cards. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-no-balance-transfer-fees?ref=review">5 Best Credit Cards with No Balance Transfer Fees</a>)</p> <p><strong>Flat rate rewards</strong>. There are no spending categories or quarterly rotating categories to sign-up for or manage. Every purchase made with the card, regardless of the type of purchase, conveniently earns a <a href="http://www.wisebread.com/best-credit-cards-that-offer-flat-rate-rewards-for-all-spending?ref=review">flat rate cash back</a>.&nbsp;</p> <p><strong>No foreign transaction fee</strong>. If you frequently travel abroad, or you need to make purchases outside of the United States, a foreign transaction fee would cancel out any rewards earned from the card. Not all business cards do not charge a foreign transaction fee. (See also: <a href="http://www.wisebread.com/5-best-secured-cards-with-low-or-no-foreign-transaction-fees?ref=review">5 Credit Cards with No Foreign Transaction Fees</a>)</p> <h2>Cons</h2> <p><strong>Annual fee</strong>. Although the annual fee is waived the first year, you should make sure you earn enough rewards each year to help pay for carrying the credit card and still benefit. If you won't use the card enough to cover the annual fee, credit cards without annual fees can be more cost effective choices. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-with-no-annual-fees?ref=review">5 Best Credit Cards with No Annual Fees</a>)</p> <p><strong>Higher APR</strong>. The APR on this card is quite high when compared to many other business credit cards. The APR is less of an issue if you typically pay your balance in full rather than carry balances from month to month. But, if you regularly carry a balance, you should select the card that offers the lowest APR possible, even it means sacrificing a rewards program. (See also: <a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards?ref=review">5 Best Low Interest Rate Credit Cards</a>)</p> <h2>Who This Card Is Best For</h2> <p>The Spark Cash for Business Credit Card is best if you can spend enough every year to earn the rewards needed to cover your annual fee. This card is also best for consumers who prefer a flat rate rewards program, generally pay balances in full each month, and for those who may need to use the card for foreign transactions.</p> <p style="text-align: center;"><strong><a href="http://ct.wisebread.com/click.php?pg=182&amp;pid=30&amp;pp=0&amp;uv=send">Click here to learn more and apply for the Capital One&reg; Spark&reg; Cash for Business Credit Card today!</a></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/unlimited-cash-rewards-for-your-business-capital-one-spark-cash-for-business-credit-card-review">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/extra-cash-for-your-small-business-capital-one-spark-cash-select-for-business-credit-card">Extra Cash for Your Small Business: Capital One Spark Cash Select for Business Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/easy-business-rewards-capital-one-spark-miles-for-business-credit-card-review">Easy Business Rewards: Capital One Spark Miles for Business Credit Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Unlimited Cash Back: The Quicksilver Cash Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card">A Card That Works Hard for Those with Average Credit: Capital One&amp;reg; Platinum Credit Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Capital One credit card reviews small business Mon, 18 Apr 2016 22:24:06 +0000 Christina Majaski 1689468 at http://www.wisebread.com Easy Business Rewards: Capital One Spark Miles for Business Credit Card http://www.wisebread.com/easy-business-rewards-capital-one-spark-miles-for-business-credit-card-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/easy-business-rewards-capital-one-spark-miles-for-business-credit-card-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000063167657_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>The <a href="http://ct.wisebread.com/click.php?pg=183&amp;pid=32&amp;pp=0&amp;uv=sname" target="_blank">Capital One&reg; Spark&reg; Miles for Business Credit Card</a>&nbsp;offers a flat rate for all purchases. This card includes valuable business and travel benefits that can come in handy for any sized business. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses?ref=review">5 Best Credit Cards for Small Businesses</a>)</p> <h2>Why We Like This Card</h2> <ul> <li>Double miles on every purchase made with the card</li> <li>One-time bonus of 50,000 miles if you spend $4,500 within 3 months from account opening</li> </ul> <h2>How This Card Works</h2> <p>This card awards double miles for every dollar spent with your card on all purchases. You can earn an unlimited number of miles, which do not expire for the life of the account.&nbsp;</p> <p><strong>Bonus offer</strong>: Earn a one-time bonus of 50,000 miles, equal to $500 in travel, after spending $4,500 on purchases within 3 months from account opening.</p> <p>You can redeem your miles in a couple different ways. For example, you can use Purchase Eraser feature to redeem your miles as credit toward travel purchases such as car rentals, hotels, airlines, taxi cabs, and limo services, made within the last 90 days. You can also redeem miles through the Capital One Rewards Center, for flights, car rentals, or hotel stays. In addition to the travel options, you can redeem miles for cash in the form of a check or account credit and gift cards.</p> <h2>Other Benefits</h2> <p><strong>Free employee cards</strong>. You can request additional employee cards, set individual spending limits, and allow employees to make business purchases and add to the miles, at no additional cost to you.</p> <p><strong>Quarterly and year-end summaries</strong>. Includes time-saving features designed to help manage your business more efficiently. Create and download custom itemized reports of your spending, which helps in planning, budgeting, and preparing for tax time.</p> <p><strong>Visa Business Benefits</strong>. Receive access to Visa Business Benefits, which include additional benefits such as auto rental collision damage waiver for covering rental cars in the event of collision or theft, purchase protection which covers lost or stolen purchases, and extended warranty. Visa Business Benefits includes travel and emergency assistance services as well.</p> <h2>Costs</h2> <ul> <li>$95 Annual Fee (waived the first year)</li> <li>17.99% variable APR</li> <li>$0 Balance Transfer Fee</li> <li>$0 Foreign Transaction Fee</li> <p><a rel="nofollow" href=" http://ct.wisebread.com/click.php?pg=183&amp;pid=32&amp;pp=0&amp;uv=sbutton2" target="_blank"><img class="img-exempt" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" height="50" width="154" /></a></p> <h2>Pros</h2> <p><strong>Bonus offer</strong>. The one-time bonus of 50,000 miles, which, depending on how you redeem, is worth approximately $500. Although the spending requirement is higher than most, this is a highly <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=review">valuable bonus</a>, especially considering the annual fee is waived the first year. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=review">5 Best Credit Cards That Offer Bonus Cash for Sign-Up</a>)</p> <p><strong>Double miles without categories</strong>. There are no special purchase categories or rotating categories that change every quarter. Instead, you earn a flat rate of two miles for every dollar spent with the card regardless of the type of purchase you make. Flat rate rewards programs are often easier to manage and less of a hassle than wondering each time you use your card if you are making a purchase that earns rewards. Furthermore, this card offers one of the highest flat rates. There are also very few business rewards cards that offer flat rate rewards. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=review">5 Best Travel Rewards Credit Cards</a>)</p> <p><strong>No balance transfer fee</strong>. If you need to transfer a balance from another card, you can transfer to this card without paying the usual fee of 3%-5%. While this can save you money, it is important that you also consider the APR before transferring to make sure you don&rsquo;t end up paying more in interest and cancel out the savings from transferring without an additional fee. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-no-balance-transfer-fees?ref=review">5 Best Credit Cards with No Balance Transfer Fees</a>)</p> <p><strong>No foreign transaction fee</strong>. There is also no foreign transaction fee with this card, which makes it ideal for those who frequently travel abroad and plan on making purchases in foreign countries. (See also: <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=review">5 Best Credit Cards with No Foreign Transaction Fees</a>)</p> <h2>Cons</h2> <p><strong>Annual fee of $95</strong>. If you don&rsquo;t plan to make a large purchase within your first three months and miss earning the bonus, you will have to make sure you earn enough rewards throughout the year to help pay for the annual fee beginning after the first waived year. If you can&rsquo;t guarantee that you&rsquo;ll be able to cover the annual fee, you should instead consider a card with no annual fee. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-with-no-annual-fees?ref=review">5 Best Credit Cards with No Annual Fees</a>)</p> <p><strong>Higher APR than other travel cards</strong>. The APR is a bit higher than the APR offered with other travel rewards credit cards. However, if you typically pay your balance in full each month, the high APR is less of a concern. (See also: <a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards?ref=review">5 Best Low Interest Rate Credit Cards</a>)</p> <p><strong>No introductory APR</strong>. Although there is no balance transfer fee, you won&rsquo;t benefit from transferring a balance to this card unless you transfer from a card charging a higher APR. There is also no introductory APR for purchases, which often helps small business owners save money while stocking up on business supplies. (See also: <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=review">5 Best Credit Cards with 0% Intro APRs for Balance Transfers</a>)</p> <h2>Who This Card Is Best For</h2> <p>The Capital One Spark Miles for Business Credit Card is best for small business owners whose purchases include travel-related expenses that you can cover with the miles earned. It is also best for those whose purchases might be foreign, and if you prefer a card awarding a flat rate on purchases and if your purchases vary and are not exclusive to one brand or type. Although it is important you spend enough each year to cover the annual fee, this card is especially ideal if you have a big purchase planned and can earn the bonus currently being offered.</p> <p style="text-align: center;"><strong><a href="http://ct.wisebread.com/click.php?pg=183&amp;pid=32&amp;pp=0&amp;uv=send">Click here to learn more and apply for the Capital One&reg; Spark&reg; Miles for Business Credit Card today!</a></strong></p> </ul> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/easy-business-rewards-capital-one-spark-miles-for-business-credit-card-review">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/extra-cash-for-your-small-business-capital-one-spark-cash-select-for-business-credit-card">Extra Cash for Your Small Business: Capital One Spark Cash Select for Business Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-rewards-for-your-business-capital-one-spark-cash-for-business-credit-card-review">Unlimited Cash Rewards for Your Business: Capital One Spark Cash for Business Credit Card Review</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Unlimited Cash Back: The Quicksilver Cash Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card">A Card That Works Hard for Those with Average Credit: Capital One&amp;reg; Platinum Credit Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Capital One credit card reviews small business Wed, 13 Apr 2016 23:13:24 +0000 Christina Majaski 1689519 at http://www.wisebread.com A Gamer's Card: PlayStation® Card from Capital One® http://www.wisebread.com/a-gamers-card-capital-one-playstation-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/a-gamers-card-capital-one-playstation-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000065379877_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>The Sony PlayStation brand has long been considered a leader in the video game industry, providing millions of avid gamers with a vast library of video games along with an impressive array of gaming consoles and electronics. With the <a href="http://ct.wisebread.com/click.php?pg=151&amp;pid=92&amp;pp=0&amp;uv=sname" target="_blank">PlayStation&reg; Card from Capital One&reg;</a>, these gamers have a way to earn valuable points on their PlayStation and Sony purchases as well as on other popular entertainment purchases, which they can then use towards getting additional Playstation and Sony products for less. (See also: <a href="http://www.wisebread.com/store-credit-cards-that-dont-suck?ref=review">Store Credit Cards That Don't Suck</a>)</p> <h2>How This Card Works</h2> <p>This card awards 5 points per $1 spent on all PlayStation&trade; Store purchases and PlayStation&reg; and Sony&reg; products at authorized retailers with purchase confirmation, 3 points per $1 spent on your monthly mobile phone bill, and 1 point per $1 spent on all other purchases.</p> <p><strong>Bonus offer</strong>: Earn a $50 PlayStation&trade; Store Code after your first purchase within 90 days from account opening. Also earn 50% back as a statement credit on a 12-month PlayStation&reg; Plus Membership after you spend $3,000 in a year and 10% back as a statement credit on the following entertainment services: PlayStation&reg; Vue, PlayStation&reg; Music and PlayStation&reg; Now</p> <p>Once you have registered for the Sony Rewards Program online you can redeem your points through Sony Rewards for merchandise such as Sony and PlayStation games, hardware, store codes, gift cards, and music.&nbsp;</p> <h2>Other Benefits</h2> <p><strong>Custom card image</strong>. Cardholders can choose a custom image for their card based on their favorite games and characters.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>14.99% - 24.99% Variable APR (0% intro APR for purchases until May 2018)</li> </ul> <p><a target="_blank" rel="nofollow" href="http://ct.wisebread.com/click.php?pg=151&amp;pid=92&amp;pp=0&amp;uv=sbutton2"><img alt="" class="img-exempt" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a></p> <h2>Who This Card Is Best For</h2> <p>The Capital One PlayStation Credit Card is best for fans and avid users of Sony Playstation products who make frequent purchases on the Playstation Store. People who fit into this category will most likely not mind the limitation of only being able to redeem their rewards points for Playstation and Sony merchandise and gift cards.&nbsp;</p> <p style="text-align: center;"><strong><a rel="nofollow" target="_blank" href="http://ct.wisebread.com/click.php?pg=151&amp;pid=92&amp;pp=0&amp;uv=send">Click here to learn more and apply for the PlayStation&reg; Card from Capital One&reg; today!</a></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/a-gamers-card-capital-one-playstation-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Unlimited Cash Back: The Quicksilver Cash Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card">A Card That Works Hard for Those with Average Credit: Capital One&amp;reg; Platinum Credit Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-buypower-get-your-dream-gm-car">GM BuyPower Card from Capital One: Get Your Dream GM Car</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit">Capital One® Secured Mastercard®: The Best Option for Repairing Your Credit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Entertainment Capital One credit card reviews Playstation Wed, 30 Mar 2016 21:41:40 +0000 Christina Majaski 1623782 at http://www.wisebread.com Capital One Spark Miles Select for Business Credit Card: Get Miles Without the Fees http://www.wisebread.com/capital-one-spark-miles-select-for-business-credit-card-get-miles-without-the-fees <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/capital-one-spark-miles-select-for-business-credit-card-get-miles-without-the-fees" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000033517386_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="145" /></a> </div> </div> </div> <p>The <a href="http://ct.wisebread.com/click.php?pg=155&amp;pid=31&amp;pp=0&amp;uv=sname1&amp;fot=1310">Capital One&reg; Spark&reg; Miles Select for Business Credit Card</a> offers business owners travel rewards with no annual fee. If you are looking for a simple and straightforward travel rewards credit card, the Capital One Spark Miles Select could be the best card for your business. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses?ref=review">5 Best Credit Cards for Small Businesses</a>)</p> <h2>Why We Like This Card</h2> <ul> <li>20,000 one-time bonus miles</li> <li>Earn 1.5 miles per dollar spent on all purchases</li> </ul> <h2>How This Card Works</h2> <p>This card awards 1.5 miles for every dollar spent with the card on all purchases. There is no limit to the number of miles you can earn, and miles do not expire.&nbsp;</p> <p><strong>Bonus offer</strong>: Earn a one-time bonus of 20,000 miles, which is equal to $200 in travel, after spending $3,000 on purchases within 3 months from account opening.&nbsp;</p> <p>You can redeem your miles as a statement credit for travel purchases made in the past 90 days through Capital One&rsquo;s Purchase Eraser feature. Eligible purchases include a wide range of travel charges including airfare, hotels, car rentals, bus lines, taxi fare, and more. You can also redeem miles through the Rewards Center to book flights, car rentals, or hotel stays. In most cases, each mile is worth one cent.&nbsp;</p> <h2>Other Benefits</h2> <p><strong>Free employee cards</strong>. Receive free employee cards, which provide employees a credit card for making purchases for the business while earning miles at the same time. You can also manage the cards and set individual spending limits.</p> <p><strong>Quarterly and year-end statements</strong>. As a small business owner, managing finances can be overwhelming and time-consuming. You can, however, access custom, itemized reports for planning, budgeting, and taxes.</p> <p><strong>Purchase security and extended protection</strong>. Covers purchases made with the card if they are lost or stolen within 90 days of the purchase. This protection also extends the manufacturer&rsquo;s warranty for purchases to double the initial length (up to an additional year).</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>13.99% - 21.99% variable APR (0% introductory APR on purchases for 9 months)</li> <li>$0 Balance Transfer Fee</li> <li>$0 Foreign Transaction Fee</li> </ul> <p><a target="_blank" href="http://ct.wisebread.com/click.php?pg=155&amp;pid=31&amp;pp=0&amp;uv=sbutton2&amp;fot=1310" rel="nofollow"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" class="img-exempt" width="154" height="50" /></a></p> <h2>Pros</h2> <p><strong>Bonus offer</strong>. The bonus offer is one of the most valuable bonuses you&rsquo;ll find with a no-annual fee business travel card. If you plan on making a large purchase of at least $3,000 right away, the bonus alone is a valid reason to consider this card. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=review">5 Best Credit Cards That Offer Bonus Cash for Sign-Up</a>)</p> <p><strong>No fees</strong>. There is no annual fee, balance transfer fee, or foreign transaction fee on this card, which is extremely rare with business travel rewards cards. Furthermore, you can save a significant amount of money with this card if you need to transfer a balance from a card charging a higher APR, or if the majority of your business purchases are foreign. Each fee with many other cards is typically around 3%. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-with-no-annual-fees?ref=review">5 Best Credit Cards with No Annual Fees</a>)</p> <p><strong>Introductory APR</strong>. Another reason this card is a great credit card if you need to make a large purchase right away is the offer for a 0% intro APR on purchases for 9 months. 0% intro APR offers aren&rsquo;t commonly found with business credit cards. This is one of the best cards to save money in interest if you need some time to pay down business purchases. (See also: <a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards?ref=review">5 Best Low Interest Rate Credit Cards</a>)</p> <p><strong>No rotating categories</strong>. This card awards a simple, flat-rate of 1.5 miles for each dollar spent with the credit card and is one of a handful of business credit cards awarding every purchase without relying on special categories. Other rewards cards that only award specific spending categories or categories that rotate can become confusing and if you don&rsquo;t pay attention you could end up earning the rate often reserved for &ldquo;other&rdquo; purchases, which is typically only one mile.&nbsp;</p> <h2>Cons</h2> <p><strong>Low rewards rate.</strong> One of the advantages of this card is its simplicity and the ability to earn a flat rate of rewards without dealing with confusing categories. However, if you plan to spend a lot in a particular category, you might earn more rewards with a card that has bonuses for that category. (See also: <a href="http://www.wisebread.com/best-credit-cards-for-office-supply-purchases?ref=review">5 Best Credit Cards for Office Supply Purchases</a>)</p> <h2>Who This Card Is Best For</h2> <p>The Capital One Spark Miles Select for Business Credit Card is best for small business owners whose spending varies. It is also best if you need to make a large purchase with the card and can benefit from the 0% intro purchase APR and earn the one-time bonus. This card is especially ideal for saving money on foreign purchases and balance transfers from cards carrying higher APRs.</p> <p style="text-align: center;"><a href="http://ct.wisebread.com/click.php?pg=155&amp;pid=31&amp;pp=0&amp;uv=send&amp;fot=1310"><strong>Click here to learn more and apply for the Capital One&reg; Spark&reg; Miles Select for Business Credit Card today</strong></a><strong>!</strong></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Capital%20One%20Spark%20Miles%20Select%20for%20Business%20Credit%20Card-%20Get%20Miles%20Without%20the%20Fees.jpg" alt="Capital One Spark Miles Select for Business Credit Card: Get Miles Without the Fees" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/capital-one-spark-miles-select-for-business-credit-card-get-miles-without-the-fees">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Unlimited Cash Back: The Quicksilver Cash Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card">A Card That Works Hard for Those with Average Credit: Capital One&amp;reg; Platinum Credit Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-buypower-get-your-dream-gm-car">GM BuyPower Card from Capital One: Get Your Dream GM Car</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit">Capital One® Secured Mastercard®: The Best Option for Repairing Your Credit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards business cards Capital One credit card reviews Wed, 23 Mar 2016 21:07:22 +0000 Christina Majaski 1665766 at http://www.wisebread.com Get the Perfect Credit Card from Capital One http://www.wisebread.com/capital-one-credit-card-applications <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/capital-one-credit-card-applications" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000044836306_Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="155" /></a> </div> </div> </div> <p>Capital One has been a leading provider of financial products for decades. Their most popular products include a broad range of credit cards designed to serve the needs of any consumer whether you prefer to earn cash back or miles, or need some help building or repairing your credit rating. As part of its motto to provide &ldquo;no hassle&rdquo; rewards, Capital One has also been a leader in providing an online application process for their credit cards a simple and smooth process. You can also compare credit cards and examine specific features if you aren&rsquo;t yet sure which one you like the most. No matter the type of card you need for your circumstances, there&rsquo;s a good chance you&rsquo;ll find one that works for you with Capital One.</p> <h2>How to Apply for Capital One Credit Cards</h2> <p>One of the best features of Capital One&rsquo;s application process is the ability, in many cases, to apply online and receive either an approval or denial instantly. In fact, if you aren&rsquo;t quite ready to add an inquiry to your credit report or you aren&rsquo;t sure which card suits your needs best, you can even pre-qualify online, and Capital One will help you figure out which card you should consider. For the most part, to apply for Capital One credit cards, you simply select the card you want to apply for or select the option to see if you pre-qualify.</p> <h2>Top Capital One Credit Card Application Offers</h2> <p>Capital One provides a number of different high-quality types of credit cards. Because of its mission to provide no hassle rewards, these are often some of the most popular. Capital One rewards credit cards such as the Capital One&reg; Venture&reg; Rewards and Capital One&reg; Quicksilver&reg; Cash Rewards&nbsp;are some of the highest rated on the market. Further, whether you are a small business owner, a student, or in the <a href="http://www.wisebread.com/how-to-rebuild-your-credit-in-8-simple-steps">process of rebuilding your credit</a>, Capital One credit cards are some of the best available.</p> <h3>Capital One&reg; Quicksilver&reg; Cash Rewards Credit Card</h3> <p><img src="http://imgsynergy.com/product_creatives/04dd974af0d2b6d56328b1784af4e507.png" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" alt="" height="97" width="154" border="0" /><a href=" http://ct.wisebread.com/click.php?pg=165&amp;pid=27&amp;pp=1&amp;uv=xcardbutton" rel="nofollow" alt="Capital One&reg; QuicksilverOne&reg; Cash Rewards Credit Card" title="Capital One&reg; QuicksilverOne&reg; Cash Rewards Credit Card" target="_blank" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>The&nbsp;<a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=27&amp;pp=1&amp;uv=xname">Capital One&reg; Quicksilver&reg; Cash Rewards Credit Card</a>&nbsp;currently offers 0% intro APR on balance transfers and purchases for 9 months. The variable APR after the intro period is 13.99%-23.99%. New cardholders also get a one-time cash bonus of $150 after spending $500 on purchases within 3 months from account opening. This card awards unlimited 1.5% cash back on every purchase. There is no annual fee.</p> <p><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=27&amp;pp=1&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Quicksilver&reg; Cash Rewards Credit Card today!</strong></a></p> <h3>Capital One&reg; Venture&reg; Rewards Credit Card</h3> <p><img src="http://imgsynergy.com/product_creatives/9cac7606371ffe30a1bd49c860235e9c.png" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" alt="" height="97" width="154" border="0" /><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=26&amp;pp=2&amp;uv=xcardbutton" rel="nofollow" alt="Capital One&reg; Venture&reg; Rewards Credit Card" title="Capital One&reg; Venture&reg; Rewards Credit Card" target="_blank" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>The <a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=26&amp;pp=2&amp;uv=xname">Capital One&reg; Venture&reg; Rewards Credit Card</a> offers unlimited 2x miles for every dollar spent on all purchases that can be redeemed for statement credit against a wide variety of travel purchases. The variable APR for purchases and balance transfers is 13.99%-23.99%. New cardholders get 50,000 miles as a one-time bonus if you spend $3,000 within 3 months of account opening, which can be worth $500 in travel. The annual fee of $95 is waived the first year.</p> <p><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=26&amp;pp=2&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Venture&reg; Rewards Credit Card today!</strong></a></p> <h3>Capital One&reg; VentureOne&reg; Rewards Credit Card</h3> <p><img src="http://imgsynergy.com/product_creatives/8d827e50e648247b0a6906327928357a.png" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" alt="" height="97" width="154" border="0" /><a href=" http://ct.wisebread.com/click.php?pg=165&amp;pid=33&amp;pp=3&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>The<a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=33&amp;pp=3&amp;uv=xname"> Capital One&reg; VentureOne&reg; Rewards Credit Card</a>&nbsp;offers 0% introductory APR on purchases for 12 months; after the intro period, a variable APR of 12.99%-22.99% applies. The APR for balance transfers is 12.99%-22.99% variable. You get unlimited 1.25 miles for each dollar spent on all purchases made with the card, and can redeem miles for statement credit toward travel purchases. New cardholders can receive a one-time bonus of 20,000 miles (worth $200 in travel) if you spend $1,000 in purchases within 3 months from account opening. There is no annual fee.</p> <p><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=33&amp;pp=3&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; VentureOne&reg; Rewards Credit Card today!</strong></a></p> <h3>Capital One&reg; QuicksilverOne&reg; Cash Rewards Credit Card</h3> <p><img src="http://imgsynergy.com/product_creatives/d9a356efb1c4575088387d133ba9dab7.png" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" alt="" height="97" width="154" border="0" /><a href=" http://ct.wisebread.com/click.php?pg=165&amp;pid=28&amp;pp=4&amp;uv=xcardbutton" rel="nofollow" alt="Capital One&reg; QuicksilverOne&reg; Cash Rewards Credit Card" title="Capital One&reg; QuicksilverOne&reg; Cash Rewards Credit Card" target="_blank" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>If you have &ldquo;average&rdquo; credit, the <a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=28&amp;pp=4&amp;uv=xname">Capital One&reg; QuicksilverOne&reg; Cash Rewards Credit Card</a> offers unlimited 1.5% cash back on all purchases without any changing categories. The APR for balance transfers and purchases is 24.99% variable. The annual fee is $39.</p> <p><a href="http://ct.wisebread.com/click.php?pg=19&amp;pid=28&amp;pp=4&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; QuicksilverOne&reg; Cash Rewards Credit Card today!</strong></a></p> <h3>Capital One&reg; Platinum Credit Card</h3> <p><img src="http://www.imgsynergy.com/191x120/capital-one-platinum-and-secured-071515.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" height="97" width="154" border="0" /><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=25&amp;pp=5&amp;uv=xcardbutton" rel="nofollow" title="Capital One&reg; Platinum Credit Card" alt="Capital One&reg; Platinum Credit Card" target="_blank" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>The <a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=25&amp;pp=5&amp;uv=xname">Capital One&reg; Platinum Credit Card</a> offers a variable APR of 24.99% for purchases and balance transfers with no annual fee. If you have an average credit rating, this card is a solid option for building or rebuilding your credit with an unsecured credit card. It offers access to your credit score, and when you make your first five monthly payments on time, you can qualify for a credit limit increase.</p> <p><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=25&amp;pp=5&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Platinum Credit Card today!</strong></a>&nbsp;</p> <h3>Capital One&reg; Secured Mastercard&reg;</h3> <p><img src="http://www.imgsynergy.com/191x120/capital-one-platinum-and-secured-071515.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" height="97" width="154" border="0" /><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=29&amp;pp=6&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>Building credit is a little easier with the <a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=29&amp;pp=6&amp;uv=xname">Capital One&reg; Secured Mastercard&reg;</a>. Based on your credit worthiness, your security deposit of $49, $99, or $200 can get you a credit card with an initial $200 credit limit. You can improve your credit rating as you make your payments on time and manage your account responsibly, and you can also get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed. The variable APR is 24.99%. This card includes unlimited access to your credit score. There is no annual fee.</p> <p><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=29&amp;pp=6&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Secured Mastercard&reg; today!</strong></a></p> <h3>Capital One&reg; Spark&reg; Cash for Business</h3> <p><img src="http://www.imgsynergy.com/191x120/capital-one-spark-cash-business-011916.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" height="97" width="154" border="0" /><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=30&amp;pp=7&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>The <a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=30&amp;pp=7&amp;uv=xname">Capital One&reg; Spark&reg; Cash for Business</a> awards small business owners unlimited 2% cash back on all purchases made with the credit card. The variable APR for purchases is 17.99%. New cardholders can get a $500 cash bonus if you spend $4,500 within 3 months of account opening. There is no additional cost for employee cards. The annual fee of $95 is waived the first year.</p> <p><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=30&amp;pp=7&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Spark&reg; Cash for Business Credit Card&nbsp;today!</strong></a></p> <h3>Capital One&reg; Spark&reg; Cash Select for Business</h3> <p><img src="http://www.imgsynergy.com/191x120/capital-one-spark-cash-business-011916.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" height="97" width="154" border="0" /><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=104&amp;pp=8&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>The <a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=104&amp;pp=8&amp;uv=xname">Capital One&reg; Spark&reg; Cash Select for Business Credit Card</a> awards unlimited 1.5% cash back on all purchases with a one-time bonus of $200 cash if you spend $3,000 with your card within 3 months from account opening. There is a 0% intro APR on purchases for 9 months. After that, the variable APR is 13.99%-21.99%. Employee cards come with no additional cost. This card has no annual fee.</p> <p><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=104&amp;pp=8&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Spark&reg; Cash Select for Business Credit Card today!</strong></a></p> <h3>Capital One&reg; Spark&reg; Miles for Business</h3> <p><img src="http://www.imgsynergy.com/191x120/capital-one-spark-miles-business-011916.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" height="97" width="154" border="0" /><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=32&amp;pp=9&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>You get two miles for every dollar spent on all purchases with the <a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=32&amp;pp=9&amp;uv=xname">Capital One&reg; Spark&reg; Miles for Business Credit Card</a>. New cardholders also get a one-time bonus of 50,000 miles worth $500 in travel, if you spend $4,500 in purchases within 3 months from account opening. The variable APR is 17.99%. The annual fee of $95 is waived the first year.</p> <p><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=32&amp;pp=9&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Spark&reg; Miles for Business Credit Card today!</strong></a>&nbsp;</p> <h3>Capital One&reg; Spark&reg; Miles Select for Business</h3> <p><img src="http://www.imgsynergy.com/191x120/capital-one-spark-miles-business-011916.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" height="97" width="154" border="0" /><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=31&amp;pp=10&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>You get 1.5 miles per dollar on all purchases with the <a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=31&amp;pp=10&amp;uv=xname">Capital One&reg; Spark&reg; Miles Select for Business</a> card. New cardholders get a one-time bonus of 20,000 miles worth $200 in travel if you make $3,000 in purchases with your card within 3 months from account opening. You also get a 0% intro APR on purchases for 9 months, and then 13.99%-21.99% variable APR afterward.</p> <p><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=31&amp;pp=10&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Spark&reg; Miles Select for Business Credit Card today!</strong></a></p> <h3>Capital One&reg; Spark&reg; Classic for Business</h3> <p><img src="http://www.imgsynergy.com/191x120/spark-classic-for-business-040815.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" height="97" width="154" border="0" /><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=105&amp;pp=11&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>The <a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=105&amp;pp=11&amp;uv=xname">Capital One&reg; Spark&reg; Classic for Business Credit Card</a> offers small business owners 1% cash back for all purchases made with the card. This card is designed to assist you in building and strengthening credit for your business. The variable APR is 23.99%. There is no annual fee for this card.</p> <p><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=105&amp;pp=11&amp;uv=xend"><strong>Click here to learn more and apply for the Capital One&reg; Spark&reg; Classic for Business Credit Card today!</strong></a></p> <h3>GM BuyPower Card from Capital One&reg;</h3> <p><img src="http://imgsynergy.com/product_creatives/9cc5500feeee26187654fefe42955fbc.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" height="154" width="97" border="0" /><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=35&amp;pp=12&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>If you are planning on purchasing a Chevrolet, GMC, Buick, or Cadillac, the <a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=35&amp;pp=12&amp;uv=xname">GM BuyPower Card from Capital One&reg;</a> can help you by awarding the purchases you make with the card. The BuyPower Card allows you to receive 5% earnings on all your purchases up to $5,000 each year and unlimited 2% earnings after that. Your earnings can then be used toward the purchase of your vehicle, or for upgrades such as leather seats and floor mats. This card also offers a 0% introductory APR for purchases for the first 12 months. The APR for balance transfers and purchases made after the intro period is 13.90%-23.90% variable APR. There is no annual fee for this card.</p> <p><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=35&amp;pp=12&amp;uv=xend"><strong>Click here to learn more and apply for the GM BuyPower Card from Capital One&reg; today!</strong></a></p> <h3>PlayStation&reg; Card from Capital One&reg;</h3> <p><img src="http://www.imgsynergy.com/191x120/playstation-card-100715.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" height="97" width="154" border="0" /><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=92&amp;pp=13&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>Gamers and fans of PlayStation can earn rewards with the <a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=92&amp;pp=13&amp;uv=xname">PlayStation&reg; Card from Capital One&reg;</a> that can be redeemed for PlayStation products. This card awards 5 points per $1 spent on all PlayStation&trade; Store purchases and PlayStation&reg; and Sony&reg; products at authorized retailers with purchase confirmation, 3 points per $1 spent on your monthly mobile phone bill, and 1 point per $1 spent on all other purchases There is a 0% introductory APR for purchases until May 2018. The APR for balance transfers and purchases after the intro period is a variable 14.99%-24.99% APR. You also get 50% back as a statement credit on a 12-month PlayStation&reg; Plus Membership after you spend $3,000 in a year and 10% back as a statement credit on the following entertainment services: PlayStation&reg; Vue, PlayStation&reg; Music and PlayStation&reg; Now. New cardholders can earn a $50 PlayStation&trade; Store Code after your first purchase within 90 days from account opening. There is no annual fee for this card.</p> <p><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=92&amp;pp=13&amp;uv=xend"><strong>Click here to learn more and apply for the PlayStation&reg; Card from Capital One&reg; today!</strong></a></p> <h3>Sony&reg; Card from Capital One&reg;</h3> <p><img src="http://imgsynergy.com/product_creatives/5d864de8059911e267eea93936bc6c85.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" height="97" width="154" border="0" /><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=123&amp;pp=14&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>Sony fans can earn rewards for all of their electronics, games, movies, music, and more with the&nbsp;<a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=123&amp;pp=14&amp;uv=xname">Sony&reg; Card from Capital One&reg;</a> Credit Card. This card awards 5 Sony Rewards points per $1 spent on select entertainment purchases including digital streaming and subscription services, concert and sporting events, music and video downloads and movie and theater tickets, plus 5 points per $1 spent on Sony&reg; products at authorized retailers with purchase confirmation and one point for all other purchases. New cardholders get 0% intro APR on purchases until May 2018, 14.99% - 24.99% variable APR after that. You also get a a $50 Statement Credit after your first card purchase within 90 days from account opening.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=123&amp;pp=14&amp;uv=xend">Click here to learn more and apply for the&nbsp;Sony&reg; Card from Capital One&reg; Credit Card today!</a></strong></p> <h3>Journey&reg; Student Rewards from Capital One&reg;</h3> <p><img src="http://www.imgsynergy.com/191x120/journey-student-rewards-100915.png" alt="" class="img-exempt" style="float:right;margin:0 5px 5px 10px;" height="97" width="154" border="0" /><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=34&amp;pp=15&amp;uv=xcardbutton" target=" rel=" style="border:none;float:right;clear:right;margin: 0 5px 5px 10px;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt img-button" alt="" /></a>College students who are just starting out in the world of credit can begin building their credit score with the&nbsp;<a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=34&amp;pp=15&amp;uv=xname">Journey&reg; Student Rewards from Capital One&reg;</a>. This card awards 1% cash back on all purchases. Plus, if you pay on time, your cash back increases to 1.25% for that month. After you make your first 5 monthly payments on time, you may qualify for a higher credit line. The variable APR for purchases and balance transfers is 24.99%. There is no annual fee, balance transfer fee, or foreign transaction fee with this card.</p> <p><strong><a href="http://ct.wisebread.com/click.php?pg=165&amp;pid=34&amp;pp=15&amp;uv=xend">Click here to learn more and apply for the Journey&reg; Student Rewards from Capital One&reg; Credit Card today!</a></strong></p> <h2>How to Find the Best Capital One Card Promotions</h2> <ol> <li><strong>Internet &ndash; Our Recommended Option.&nbsp;</strong>It&rsquo;s no secret that the easiest and quickest way to get information on any topic is via the Internet. With credit cards, specifically, you will find the most up-to-date promotions and special offers online. Plus, you can then apply for the card promotion and receive a reply almost immediately, decreasing the chances you&rsquo;ll miss out on valuable offers. In order to catch and take advantage of the best credit card offers, you&rsquo;ll need to check online.<br /> &nbsp;</li> <li><strong>Mail Offers.&nbsp;</strong>Although the Internet has seemingly taken over product promotions, print and mail offers are not dead and still provide value that deserves consideration. Before tossing your mail offers in the trash, make sure you take a look at special preapproved or prequalified offers that might include extra deals and savings. Also, note any exclusive reservation numbers and invitation codes that are provided because you won&rsquo;t always have access to these offers with other promotions. It&rsquo;s important to keep in mind, however, that mail offers often include links to apply to sites such as application.capitalone.com. If you want to ensure you get the best promotion and offer, be sure to compare offers to other credit cards and research what is available before applying.<br /> &nbsp;</li> <li><strong>TV.&nbsp;</strong>You&rsquo;re likely familiar with Samuel L. Jackson and Alec Baldwin&rsquo;s question, &ldquo;What&rsquo;s in your wallet?&rdquo; Television ads are one of the more fun and interesting ways to catch special Capital One offers and new credit card promotions. TV ads usually include a phone number or link to apply for the credit card advertised, but this method doesn&rsquo;t allow you an opportunity to research or compare the offer with other credit cards. Television ads are effective vehicles for letting you know what&rsquo;s new, but there is a risk of missing out on a better offer with another credit card that might award you more. For this reason, it&rsquo;s still recommended that you take a quick look at what&rsquo;s out there before picking up the phone and signing up.<br /> &nbsp;</li> <li><strong>Magazines/Newspapers.&nbsp;</strong>A large number of magazines and newspapers still include credit card advertisements and promotions. Capital One often runs extra deals and credit card offers in a variety of print publications, typically including a phone number or directions to apply at the website CapitalOne.com. This isn&rsquo;t always the best way to catch special promotions, but it is an important one you&rsquo;ll probably encounter.<br /> &nbsp;</li> <li><strong>Bank Branches.&nbsp;</strong>Not everyone is aware that Capital One and other credit card issuers have actual bank branches. Capital One, for instance, has branches in a number of areas, including District of Columbia, New Jersey, New York, and Texas. If you are near one of these branches, you can find out which types of credit card promotions are available and, if you are already a customer, possibly taking advantage of other offers. For instance, if you have a checking or savings account, car loan, or mortgage with Capital One, you may be able to combine accounts and have access to other features with your credit cards.&nbsp;</li> </ol> <h2>CreditWise from Capital One</h2> <p>Capital One is now the first major bank to offer a credit monitoring tool free for everyone. With CreditWise, you get unlimited access to check and monitor your TransUnion Vantage credit score. This interactive app and online tool is free to use whether you are a Capital One cardholder or not, and includes weekly updates of your score as well as a credit simulator to give you an idea how your actions will affect you before you actually make them. For cardholders interested in increasing their credit ratings or just want to stay informed, CreditWise is a helpful credit tool.</p> <h2>Credit Cards for People with Excellent to Good Credit</h2> <p>Except for the secured card, many of the Capital One credit cards are for people with good to excellent credit ratings. Plus, you may not be attracted to the rewards programs that are part of many of the credit cards. For example, if you typically carry a balance, credit cards with low interest rates might be better options. If you don&rsquo;t find a Capital One credit card that fits your needs, we recommend checking out one of our lists of the best balance transfer, low interest, travel, or cash back credit cards, to find the card that works best for you.</p> <ul> <li><a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards">Best 0% Balance Transfer Credit Cards</a></li> <li><a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards">Best Low Interest Rate Cards</a></li> <li><a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">Top 5 Cards for Travel Rewards</a></li> <li><a href="http://www.wisebread.com/5-best-cash-back-credit-cards">5 Best Cash Back Credit Cards</a></li> </ul> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/capital-one-credit-card-applications">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-credit-cards-to-improve-your-credit-score">How to Use Credit Cards to Improve Your Credit Score</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card">When You Should Get a Business Credit Card Over a Consumer Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-interest-rates-are-about-to-go-up">Your Interest Rates Are About to Go Up</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/do-you-spend-more-with-cash-or-credit">Do You Spend More with Cash or Credit?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Capital One credit card Fri, 11 Mar 2016 16:40:06 +0000 Christina Majaski 1670514 at http://www.wisebread.com A Card That Works Hard for Those with Average Credit: Capital One&reg; Platinum Credit Card http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000073400557.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you have had credit problems in the past or are just starting out building your credit history, the credit card options available are typically <a href="http://www.wisebread.com/a-secured-credit-card-can-repair-your-credit-score-heres-how-to-pick-the-best?ref=review">secured credit cards</a>. Capital One, however, offers the <a href="http://ct.wisebread.com/click.php?pg=84&amp;pid=25&amp;pp=0&amp;uv=sname1&amp;fot=1323">Capital One&reg; Platinum Credit Card</a>, designed for those who fall within the &quot;average&quot; credit rating. This rating can range from 630 to 689, and often those with lower credit scores find themselves qualified for the card.</p> <p>This card offers those with average credit an alternative to secured cards that sometimes come with high fees as well as a security deposit requirement. This is a simple card with nearly no fees. It also comes with a number of card benefits, travel benefits, and credit management tools for building and maintaining a healthy credit score. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-people-with-fairaverage-credit?ref=review">Best Credit Cards for Average/Fair Credit</a>)</p> <h2>Why We Like This Card</h2> <ul> <li>No annual fee, balance transfer fee, or foreign transaction fee.</li> <li>Credit limit increase after five months of responsible account management.</li> </ul> <h2>How This Card Works</h2> <p>This card is a basic credit card with no rewards feature, but it has no annual fee, no balance transfer fee, and no foreign transaction fee. You may also qualify for a credit limit increase after you make your first 5 payments on time. However, with such a high APR even without a balance transfer fee, it wouldn't make sense to use this card to transfer a balance unless you currently have a balance on a card with an even higher APR. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-with-no-balance-transfer-fees?ref=review">Credit Cards with no Balance Transfer Fees</a>)</p> <h2>Other Benefits</h2> <p><strong>Platinum MasterCard benefits. </strong>Includes Platinum MasterCard benefits such as extended warranty for additional protection on purchases made with the card, auto rental insurance, travel accident insurance, 24-hour travel assistance services, and price protection for receiving a reimbursement of the price difference if you find your purchase for a lower price within 60 days.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>24.99% variable APR&nbsp;</li> <li>$0 Balance Transfer Fee</li> <li>$0 Foreign Transaction Fee</li> </ul> <p><a href="http://ct.wisebread.com/click.php?pg=84&amp;pid=25&amp;pp=0&amp;uv=sbutton2&amp;fot=1323"><img border="0" class="img-exempt" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" /></a></p> <h2>Considerations</h2> <p><strong>High APR.</strong>&nbsp;You can avoid paying large amounts of interest on your purchases if you are diligent in paying your balance in full each month. However, if you frequently carry a balance from month to month, this APR is going to become expensive. If you typically carry your balances from month to month, you may want to instead consider one of the <a href="http://www.wisebread.com/5-best-secured-credit-cards-with-low-aprs?ref=review">secured credit cards with lower APRs</a>, designed specifically for average or poor credit ratings.</p> <h2>Who This Card Is Best For</h2> <p>The Capital One Platinum MasterCard is best for those who have had credit problems in the past, are just starting out, or have an &quot;average&quot; credit rating, but prefer an unsecured credit card over a secured card. It is also ideal for those who need to transfer balances from a higher APR credit card, or because there is no foreign transaction fee, for those who frequently travel outside of the United States. (See also: <a href="http://www.wisebread.com/the-5-best-secured-credit-cards?ref=review">Best Secured Credit Cards for Average or Poor Credit</a>)</p> <p style="text-align: center;"><a href="http://ct.wisebread.com/click.php?pg=84&amp;pid=25&amp;pp=0&amp;uv=send&amp;fot=1323"><strong>Click here to learn more and apply for the Capital One&reg; Platinum Credit Card today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit">Capital One® Secured Mastercard®: The Best Option for Repairing Your Credit</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/rebuild-your-credit-fast-with-the-opensky-secured-visa-credit-card">Rebuild Your Credit Fast With the OpenSky Secured Visa Credit Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/usaa-secured-card-platinum-mastercard-review">USAA Secured Card Platinum Visa Review</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/suntrust-secured-credit-card-with-cash-rewards-review">SunTrust Secured Credit Card with Cash Rewards Review</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards average credit building credit Capital One credit card reviews Thu, 17 Sep 2015 19:07:17 +0000 Christina Majaski 1545256 at http://www.wisebread.com When You Should Get a Business Credit Card Over a Consumer Card http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/when-you-should-get-a-business-credit-card-over-a-consumer-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000022662360.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you have a business, it&rsquo;s worth considering a small business credit card. In some cases, the rewards and benefits mirror their consumer cards with little to no difference. In others though, the rewards offered by the small business card can be significant. And regardless of the rewards offered, small business cards can be used in other ways that will benefit you and your business. Here are five of the benefits that small business cards can offer over using a personal card. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses?ref=seealso">Best Small Business Credit Cards</a>)</p> <h2>Enjoy Bonuses for Business Expenses</h2> <p>Just like the market for personal cards, there's a highly competitive market for small business credit cards. And one of the ways that banks compete for their business is by offering the most aggressive rewards for spending. With business cards, the rewards are more likely to be focused on common business expenses. In contrast, similar personal credit cards are more likely to offer bonuses for groceries and entertainment charges. Furthermore, the rewards earned from employee spending as authorized cardholders is retained by the primary account holder, increasing the opportunity for business owners to earn valuable points, miles, and cash back.</p> <h2>Separate Personal and Business Expenses</h2> <p>The primary benefit of a business credit card, and the reason they exist in the first place, is to separate personal and business expenses for the sake of record keeping and filing taxes. Can you use a personal credit card to do this? Yes, but the balance will appear on your personal credit report. In contrast, a business credit card's balance will not affect your credit score, unless you miss payments. As a primary account holder, you're still personally liable to pay back all charges on your business credit card.</p> <h2>Use Expanded Reporting Tools</h2> <p>Business users are likely to need additional information from their credit cards for accounting purposes, which is a feature provided by many small business credit cards. Get quarterly and year-end summaries that include custom, itemized reports of your spending. In addition, some cards offer downloadable purchase records compatible with common accounting tools such as Quicken, QuickBooks, and Excel. Mobile apps may also be available that allows cardholders to save images of the receipts and tag them with customizable categories.</p> <h2>Have More Control Over Authorized Users</h2> <p>If you need to give employees a card to use, business credit cards can offer better management, reporting, and control over their spending abilities. You can set up alerts on purchases, adjust spending limits, and view usage among different employees. Some consumer cards offer additional cards for authorized users, but it has the same card number and does not distinguish purchases between cardholders.</p> <h2>Earn Valuable Sign-Up Bonuses</h2> <p>One benefit that some credit card users find attractive is that they can earn increased rewards from sign the up bonuses offered by the business version of a card. When an exceptional offer comes around, it's often extended to both the business and personal versions of a credit card, allowing business owners multiple opportunities to earn this bonus. In fact, someone who owns multiple businesses may be able to apply for separate accounts for each one.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/when-you-should-get-a-business-credit-card-over-a-consumer-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-credit-cards-have-the-best-travel-redemption-value">Which Credit Cards Have the Best Travel Redemption Value?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses">Best Credit Cards for Small Businesses</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-delta-skymiles-credit-card-has-the-best-value">Which Delta SkyMiles Credit Card Has the Best Value?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-credit-cards-for-office-supply-purchases">Best Credit Cards for Office Supply Purchases</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/chase-ink-cash-business-credit-card-review">Chase Ink Business Cash&amp;#8480; Credit Card Review</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Entrepreneurship american express best credit cards Capital One chase Mon, 27 Jul 2015 14:00:13 +0000 Jason Steele 1501695 at http://www.wisebread.com No Fees and Unlimited Miles: Capital One VentureOne Rewards Credit Card http://www.wisebread.com/no-fees-and-unlimited-miles-capital-one-ventureone-rewards-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/no-fees-and-unlimited-miles-capital-one-ventureone-rewards-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000042361010.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are many <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=review">travel rewards cards</a> available that offer valuable rewards for your purchases. However, most of those rewards focus on specific categories of spending, and redemption may be limited to specific airlines or hotels. If you want a more flexible travel rewards card that offers miles on all purchases, check out the <a href="http://ct.wisebread.com/click.php?pg=89&amp;pid=33&amp;pp=0&amp;uv=sname">Capital One&reg; VentureOne&reg; Rewards Credit Card</a>.</p> <h2>Why We Like This Card</h2> <ul> <li>20,000 one-time bonus miles (worth $200 in travel)</li> <li>Unlimited 1.25x miles on all purchases</li> </ul> <h2>How This Card Works</h2> <p>Earn unlimited 1.25 miles for each dollar spent on all purchases. There is no limit to the number of miles you can earn and miles do not expire unless you close your account. There is no annual fee.</p> <p><strong>Bonus offer:</strong> Get a one-time 20,000 miles bonus (equal to $200 in travel) after spending $1,000 on purchases within 3 months from account opening.&nbsp;</p> <p>You can redeem miles for travel purchases made within the last 90 days. Qualifying travel purchases include those made through travel websites or agents, car rentals, hotels, airlines, taxis, and many others. You can also redeem your miles for travel purchases such as flights and hotel stays made through CapitalOne.com at Travelocity. There are also opportunities to redeem for cash, gift cards, and merchandise but the value of your miles decreases to approximately half a cent per mile versus a full cent for each mile if you redeem for travel.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>12.99%-22.99% Variable APR (0% Intro APR on purchases for 12 months)</li> <li>$0 Balance Transfer Fee</li> <li>$0 Foreign Transaction Fee</li> </ul> <p><a href="http://ct.wisebread.com/click.php?pg=89&amp;pid=33&amp;pp=0&amp;uv=sbutton2"><img class="img-exempt" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" width="154" height="50" /></a></p> <h2>Pros</h2> <p><strong>Bonus.</strong> The bonus worth approximately $200 is among the highest offered, especially by a card with no annual fee.</p> <p><strong>No fees.</strong> There is no annual fee, balance transfer fee, or foreign transaction fee, which makes it a great card for earning miles without worrying whether you earn enough to cover the cost of the card. Furthermore, many <a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation?ref=review">travel rewards cards without foreign transaction fees</a> have annual fees of at least $50 per year.</p> <p><strong>No rotating or spending categories.</strong> Many travel rewards credit cards award specific categories such as hotel stays or airfare with specific airlines. This can be a challenge if your travel purchases vary and are not exclusive to a particular brand. This card does not award based on rotating categories that change every quarter and allows you to earn 1.25 mile for each dollar spent, all year, regardless of the type of purchase.</p> <p><strong>Redeem for any travel purchase.</strong> Not only are there no limitations on the purchases that earn miles, you are able to redeem your miles for nearly any type of travel purchase. It is common with other travel rewards cards to earn awards on your purchases that can be redeemed for either hotel stays or airfare with specific hotels or airlines. This card provides the option to redeem for a wide range of travel purchases, including bus fare and taxi fare, which isn't always an option with most travel credit cards.</p> <h2>Cons</h2> <p><strong>No introductory APR for transfers.</strong> This card does not include a <a href="http://www.wisebread.com/the-best-0-balance-transfer-credit-cards?ref=review">0% introductory APR offer for balance transfers</a>. If you need to transfer a balance from another card, you won't pay a balance transfer fee, but you also won't save money in interest payments unless you are transferring from a card with a higher APR.</p> <p><strong>Only 1.25 miles per dollar spent.</strong> One of the primary benefits of this card is the freedom to earn a flat rate of miles on all purchases. However, if you have large expenses in popular categories, you might earn more points with another credit card. (See also: <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards">Best Travel Reward Credit Cards</a>)</p> <h2>Who This Card Is Best For</h2> <p>The Capital One VentureOne Rewards Card is one of the best no fee travel rewards credit cards offering flexible redemptions. It is particularly ideal for those who frequently travel abroad because there is no foreign transaction fee.</p> <p style="text-align: center;"><strong><a href="http://ct.wisebread.com/click.php?pg=89&amp;pid=33&amp;pp=0&amp;uv=send"><strong>Click here to learn more and apply for the Capital One&reg; VentureOne&reg; Rewards Credit Card today!</strong></a></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/no-fees-and-unlimited-miles-capital-one-ventureone-rewards-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/bankamericard-travel-rewards-more-rewards-for-more-travel">Bank of America® Travel Rewards: More Rewards for More Travel</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-rewards-card-the-starwood-preferred-guest-credit-card-from-american-express">Best Rewards Card: The Starwood Preferred Guest Credit Card from American Express</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/smarter-security-and-no-foreign-transaction-fees-the-best-credit-cards-to-use-while-on-vacation">Smarter Travel with No Foreign Transaction Fees: The Best Credit Cards to Use While on Vacation</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards">What Exactly Does Travel Accident Insurance Cover on Credit Cards?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Travel Capital One credit card reviews Mon, 27 Jul 2015 04:16:48 +0000 Christina Majaski 1500874 at http://www.wisebread.com Start Off Your Credit History Right with Journey Student Rewards from Capital One http://www.wisebread.com/start-off-your-credit-history-right-with-journey-students-rewards-from-capital-one <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/start-off-your-credit-history-right-with-journey-students-rewards-from-capital-one" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000052630702.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>College students starting out in the world of credit often face a pretty substantial roadblock: no credit history to establish a credit history. Cards like the <a href="http://ct.wisebread.com/click.php?pg=83&amp;pid=34&amp;;pp=0&amp;uv=sname">Journey&reg; Student Rewards from Capital One&reg;</a> offer students the opportunity to get a foot in the door, without paying many of the fees associated with other student credit cards. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-college-students?ref=review">Best Credit Cards for College Students</a>)</p> <p>If you are a college student the Journey Card may be a great card to start your credit journey.</p> <h2>How This Card Works</h2> <p>Get 1% cash back on all purchases made with the card, plus an additional .25% cash back every month that you pay on time. You can earn an unlimited amount of rewards which do not expire unless the account is closed.&nbsp;</p> <p>You can redeem your cash back as either a statement credit or check at $25. Capital One also provides the option to set up automatic redemption so that you receive your cash back at intervals or thresholds that you determine. For example, you can set up your automatic redemption at $25 or $50 intervals or on certain dates each calendar year. You can also redeem for gift cards which are available for as low as $20.</p> <h2>Other Benefits</h2> <p><strong>Credit line increase.</strong> If you make your first five monthly payment on time, you may be eligible through Credit Steps, to receive a credit line increase.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>24.99% variable APR&nbsp;</li> <li>$0 Balance Transfer Fee</li> <li>$0 Foreign Transaction Fee</li> </ul> <p><a href="http://ct.wisebread.com/click.php?pg=83&amp;pid=34&amp;pp=0&amp;uv=sbutton2&amp;fot=1322"><img class="img-exempt" alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" width="154" height="50" /></a></p> <h2>Pros</h2> <p><strong>Average credit is okay.</strong> Students often find approval for credit cards difficult. The Journey Card is designed for students who have &quot;average&quot; credit ratings and are not able to get approved from other card issuers. This not only allows you to establish your credit, but also carry a credit card for emergency purchases that can earn cash back.</p> <p><strong>No fees.</strong> This card provides an opportunity to earn cash back without worrying whether you earn enough to pay for the card, plus you can transfer a balance from a card with a higher APR without paying the typical fee of 3%.</p> <p><strong>No purchase categories.</strong> Some cards award more cash back but only when you use your card for purchases in certain categories. Purchases made outside of those categories generally earn 1% cash back. The Journey Card allows you to earn a flat rate of 1% on all purchases made with the card, plus you can earn an additional .25% just for making your payment on time each month.</p> <p><strong>No foreign transaction fee. </strong>Some credit cards carry a foreign transaction fee of as much as 3%. This can be a considerable fee if you use your card for traveling abroad or making foreign purchases. One of the best features of Capital One credit cards is that there is no foreign transaction fee at all.</p> <h2>Cons</h2> <p><strong>High APR.</strong> The variable APR is among the highest APR charged by most, if not all, other student credit cards. If you pay your balance in full each month you can avoid paying interest on your purchases. However, if you carry a balance from month to month, you should instead opt for student cards with lower APRs.</p> <h2>Who This Card Is Best For</h2> <p>The Journey Student Rewards card is best for college students who have average credit and are diligent in paying balances in full each month. It is also best for those whose purchases vary from month to month because of the flat rate of rewards you earn from all purchases made with the card. If you frequently travel abroad, the card is also ideal because it is one of the few student credit cards which does not charge a foreign transaction fee.</p> <p style="text-align: center;"><a href="http://ct.wisebread.com/click.php?pg=83&amp;pid=34&amp;pp=0&amp;uv=send&amp;fot=1322"><strong>Click here to learn more and apply for the Journey&reg; Student Rewards from Capital One&reg; today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/start-off-your-credit-history-right-with-journey-students-rewards-from-capital-one">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Unlimited Cash Back: The Quicksilver Cash Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card">A Card That Works Hard for Those with Average Credit: Capital One&amp;reg; Platinum Credit Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-buypower-get-your-dream-gm-car">GM BuyPower Card from Capital One: Get Your Dream GM Car</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit">Capital One® Secured Mastercard®: The Best Option for Repairing Your Credit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Education & Training Capital One credit card reviews Wed, 22 Jul 2015 07:10:31 +0000 Christina Majaski 1499596 at http://www.wisebread.com The Best Cash Back Card for Average Credit: Capital One QuicksilverOne Cash Rewards Credit Card http://www.wisebread.com/the-best-cash-back-card-for-average-credit-capital-one-quicksilverone-cash-rewards-credit-card <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-best-cash-back-card-for-average-credit-capital-one-quicksilverone-cash-rewards-credit-card" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000044737080.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Capital One credit cards are known for their &quot;no hassle&quot; rewards programs and low or no card fees. The <a href="http://ct.wisebread.com/click.php?pg=86&amp;pid=28&amp;pp=0&amp;uv=sname">Capital One&reg; QuicksilverOne&reg; Cash Rewards Credit Card</a> is a great example, providing a flat rate <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=review">cash back card</a> with a low annual fee.</p> <p>QuicksilverOne is especially designed for those whose credit rating falls into the &quot;average&quot; category, typically <a href="http://www.wisebread.com/what-does-your-credit-score-mean-good-bad-or-excellent?ref=review">anywhere from 630 to 689</a>. Many cash back rewards cards with low fees require higher credit scores, leaving those in the &ldquo;fair&rdquo; area no opportunity for earning anything from their purchases. (See also: <a href="http://www.wisebread.com/the-5-best-credit-cards-for-people-with-fairaverage-credit?ref=review">Best Credit Cards for People with Fair/Average Credit</a>)</p> <p><span style="color: rgb(17, 17, 17); font-family: georgia; font-size: 1.5em; font-weight: normal;">Why We Like This Card</span></p> <ul> <li>Unlimited 1.5% cash back</li> <li>Those with average credit can get approved</li> </ul> <h2>How This Card Works</h2> <p>Earn unlimited 1.5% cash back on all purchases made with the card. There is no limit to the amount of cash back you can earn and rewards do not expire for the life of the account.&nbsp;</p> <p>You can redeem your cash back as a statement credit or a check. There is also an option to set up automatic redemption according to a set time each calendar year, or when you reach a specific threshold . Rewards can also be redeemed for gift cards or for charitable donations.</p> <p>Plus, from now through April 2018, you can use your QuicksilverOne card to pay for your monthly Spotify Premium subscription and get 50% back as a statement credit.</p> <h2>Other Benefits</h2> <p><strong>Platinum MasterCard benefits.</strong> Includes benefits powered by MasterCard. Some of these benefits include extended warranty for purchases made with your card, travel assistance, and price protection which reimburses you if a purchase you've made is found within 60 days for a lower price.</p> <p><strong>Credit limit increase.</strong> You can qualify for a credit limit increase if you make your first five monthly payments on time.</p> <h2>Costs</h2> <ul> <li>$39 Annual Fee</li> <li>24.99% variable APR</li> <li>$0 Balance Transfer Fee</li> <li>$0 Foreign Transaction Fee</li> </ul> <p><a href="http://ct.wisebread.com/click.php?pg=86&amp;pid=28&amp;pp=0&amp;uv=sbutton2"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt" alt="" width="154" height="50" /></a></p> <h2>Pros</h2> <p><strong>No categories.</strong> One of the best features of this card, especially when compared to other rewards credit cards, is the ability to earn <a href="http://www.wisebread.com/best-credit-cards-that-offer-flat-rate-rewards-for-all-spending?ref=review">cash back on all purchases</a>, any time of the year. Some cash back cards allow you to earn bonus awards on specific purchases or in categories that you need to enroll in every three months. This rewards program allows you to earn cash back without the complications of select or rotating bonus categories.</p> <h2>Cons</h2> <p><strong>No bonus.</strong> This is one of the only rewards credit cards with an annual fee but no bonus offer. Bonus opportunities are often provided not only in order to attract new card holders, but as a means of covering any associated fees such as annual fees if you meet the card's requirements. Other <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=review">cash back cards</a> offer sign up bonuses worth $100-$200. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up?ref=review">Best Cards with Cash Sign-Up Offers</a>)</p> <p><strong>Annual fee. </strong>Although the annual fee of $39 is lower than annual fees on other cards, there are cash back cards which either <a href="http://www.wisebread.com/the-5-best-credit-cards-with-no-annual-fees?ref=review">do not charge an annual fee</a> or, in exchange for an annual fee, provide bonuses or perks which help mitigate the fee.&nbsp;</p> <p><strong>High APR.</strong> The APR is one of the highest APRs offered by credit cards. High APRs are less of an issue if you are diligent in paying your balance in full each month during your grace period, in order to avoid paying interest on your purchases. If, however, you carry a balance from month to month, the high APR is going to cancel any cash back earned and cost you more. In this case, it is best to instead choose <a href="http://www.wisebread.com/the-best-low-interest-rate-credit-cards?ref=review">credit cards with low APRs,</a> which often do not include rewards programs.&nbsp;</p> <h2>Who This Card Is Best For</h2> <p>This card is best for those with average credit who may not qualify for other cash back credit cards. It offers a flat rate cash back reward on all purchases without any limitations. This card is also ideal for those who travel outside of the U.S. because there is no foreign transaction fee. In order for you to get the most from this card for your money, it is imperative that you not only pay your balances in full every month, but also spend enough per year to earn enough rewards to at least cover the cost of the annual fee.</p> <p style="text-align: center;"><a href="http://ct.wisebread.com/click.php?pg=86&amp;pid=28&amp;pp=0&amp;uv=send&amp;fot=1325"><strong>Click here to learn more and apply for the Capital One&reg; QuicksilverOne&reg; Cash Rewards Credit Card today!</strong></a></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/the-best-cash-back-card-for-average-credit-capital-one-quicksilverone-cash-rewards-credit-card">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Unlimited Cash Back: The Quicksilver Cash Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card">A Card That Works Hard for Those with Average Credit: Capital One&amp;reg; Platinum Credit Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-buypower-get-your-dream-gm-car">GM BuyPower Card from Capital One: Get Your Dream GM Car</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit">Capital One® Secured Mastercard®: The Best Option for Repairing Your Credit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Capital One credit card reviews Wed, 22 Jul 2015 06:13:52 +0000 Christina Majaski 1499566 at http://www.wisebread.com Capital One® Secured Mastercard®: The Best Option for Repairing Your Credit http://www.wisebread.com/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_credit_card_ipad_000023286303_0.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you are just starting out and attempting to build your credit profile, or if you have had <a href="http://www.wisebread.com/a-secured-credit-card-can-repair-your-credit-score-heres-how-to-pick-the-best?ref=review">credit problems in the past</a>, you may be on the look-out for a suitable <a href="http://www.wisebread.com/the-5-best-secured-credit-cards?ref=review">secured credit card</a>. Secured cards are great for building and repairing your credit history. However, determining which secured card to get from the many that are available can be complicated.</p> <p>The <a href="http://ct.wisebread.com/click.php?pg=87&amp;pid=29&amp;pp=0&amp;uv=sname1" target="_blank">Capital One&reg; Secured Mastercard&reg;</a>&nbsp;stands out as one of the few secured cards with low fees and the opportunity to qualify for credit limit increases without adding more funds to your security deposit. Both are important elements to consider when choosing the secured card that's best for you.</p> <h2>Why We Like This Card</h2> <ul> <li>No annual fee and no foreign transaction fee</li> <li>Credit increases without additional deposit</li> </ul> <h2>How the Card Works</h2> <p>When you apply and are approved for the card, you have 80 days to make your complete security deposit of $49, $99, or $200, which is based on your creditworthiness. When your deposit has been paid in full, you receive your card with an initial credit line of $200. You can increase your credit line by depositing more than the required minimum within 80 days of account opening and before activating your card. Don't want to make additional deposits? You can also earn a credit line increase after making your first 5 monthly payments on time with no additional deposit required. Your account activity and payments are reported to the three major credit bureaus &mdash; TransUnion, Equifax, and Experian &mdash; which can help you establish a positive credit rating.&nbsp;</p> <h2>Other Benefits</h2> <p><strong>Platinum Mastercard benefits.</strong> As a cardholder, you receive Platinum Mastercard benefits which include auto rental insurance for protection against collision damage or theft, travel accident insurance when you use your card to purchase your fare, 24/7 travel assistance services, 24/7 roadside assistance, and price protection which reimburses you for the difference if a purchase you have made with the card is found at a lower price within 60 days.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>24.99% variable APR&nbsp;</li> <li>$0 Balance Transfer Fee</li> </ul> <p><a href="http://ct.wisebread.com/click.php?pg=87&amp;pid=29&amp;pp=0&amp;uv=sbutton2"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" alt="" class="img-exempt" width="154" height="50" /></a></p> <h2>Pros</h2> <p><strong>Low fees.</strong> The Capital One secured card is one of the only secured cards that does not charge an annual fee or foreign transaction fee. Further, there are no extra fees for things such as credit limit increases and account inquiries that are often associated with secured credit cards. (See also: <a href="http://www.wisebread.com/5-best-secured-cards-with-low-or-no-foreign-transaction-fees?ref=review">Secured Credit Cards with Low or No Foreign Transaction Fees</a>)</p> <p><strong>Credit increases without deposits.</strong> When you apply for the card, you will be notified of the amount of deposit that is required and there is a possibility that you won't have to deposit the full amount of your credit line. You may also qualify later for credit limit increases that don't require additional deposits, which isn't offered with many other secured cards. Often times, in order to increase your credit line on a secured card, you must make an additional payment to your deposit in the amount of the increase you are requesting.</p> <p><strong>Card benefits.</strong> There are very few perks that are offered with secured credit cards, but at least with the Capital One secured card, you receive the same valuable card benefits that you would receive with an unsecured card.</p> <h2>Cons</h2> <p><strong>High APR.</strong> The variable APR of 24.99% is among the highest APRs offered with any secured card. If you are dedicated to paying your balance in full each month, you won't pay interest on your purchases and the high APR won't matter. However, if you frequently carry a balance, you are better off with a card that carries a lower interest rate. (See also: <a href="http://www.wisebread.com/5-best-secured-credit-cards-with-low-aprs?ref=review">Secured Credit Cards with Low APRs</a>).</p> <p><strong>No interest earning on security deposit.</strong> Your security deposit is held in the event you default on your credit card balance and does not accrue interest while it is being held. Some secured cards&nbsp;hold the security deposit in savings accounts or CDs so you can earn extra money while building your credit. (See also: <a href="http://www.wisebread.com/5-best-secured-cards-that-pay-interest-on-your-deposit?ref=review">Secured Cards that Pay Interest on Deposits</a>)</p> <h2>Who This Card Is Best For</h2> <p>The Capital One Secured Mastercard is best for those who are building credit or re-establishing credit and appreciate card benefits and tools for managing credit. As one of the only secured cards available that does not charge a foreign transaction fee, it is especially ideal for those who travel abroad or need the card to make foreign purchases. If, however, you plan on carrying a balance rather than paying in full each month, you should instead consider one of the secured options that offer a lower APR.</p> <p style="text-align: center;"><strong><a href="http://ct.wisebread.com/click.php?pg=87&amp;pid=29&amp;pp=0&amp;uv=send" target="_blank">Click here to learn more and apply for the Capital One&reg; Secured Mastercard&reg; today!</a></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/usaa-secured-card-american-express">USAA Secured Card American Express: Military Benefits, Low Fees, and Interest on Your Deposit</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/first-choice-bank-primor-secured-visa-gold-card-review">primor® Secured Visa® Gold Card Review</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/first-choice-bank-primor-secured-visa-classic-card-review">primor® Secured Visa® Classic Card Review</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/rebuild-your-credit-fast-with-the-opensky-secured-visa-credit-card">Rebuild Your Credit Fast With the OpenSky Secured Visa Credit Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/skypass-visa-secured-credit-card-review">SKYPASS Visa Secured Credit Card Review</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards building credit Capital One credit card reviews rebuild credit repair credit secured cards Fri, 20 Mar 2015 09:00:06 +0000 Christina Majaski 1348990 at http://www.wisebread.com GM BuyPower Card from Capital One: Get Your Dream GM Car http://www.wisebread.com/capital-one-buypower-get-your-dream-gm-car <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/capital-one-buypower-get-your-dream-gm-car" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/new_car_lady_keys_000013029608_0.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Credit cards come with features of all sorts that aim to fit a myriad of lifestyles. There are many different types of rewards programs that award the purchases made with a card with <a href="http://www.wisebread.com/5-best-cash-back-credit-cards?ref=review">cash back</a>, points, and miles, which can convert into extra cash for spending or free travel. Capital One and GM, however, offer a program with the <a href="http://ct.wisebread.com/click.php?pg=82&amp;pid=35&amp;pp=0&amp;uv=sname1&amp;fot=1316">GM BuyPower Card from Capital One&reg;</a>, that awards all purchases made with the card for rewards that can be used toward the purchase or lease of a new Chevrolet, Buick, GMC, or Cadillac vehicle.</p> <p>The GM BuyPower credit card also includes virtually no fees and an introductory APR on purchases. If you plan on purchasing a GM vehicle, you may want to consider this card to help cut down on some of the expense.</p> <h2>How This Card Works</h2> <p>You can earn 5% rewards on the first $5,000 spent with the card each year, with the year starting when you open your account. After you have reached the $5,000 cap, your purchases earn 2%, which is unlimited. Rewards earned with the card do not expire. There is no annual fee.</p> <p><strong>Intro APR</strong>:&nbsp;Enjoy a 0% introductory APR&nbsp;on purchases for 12 months from your account opening. Afterward, a standard variable APR&nbsp;of 13.90%-23.90%&nbsp;will apply, based on your creditworthiness.</p> <p>You can redeem your rewards at any time toward the purchase or lease on a new Chevrolet, Buick, GMC, or Cadillac vehicle. When you purchase your vehicle, your rewards can be deducted from the purchase price, which lowers your monthly payments. Your rewards can also be used to pay for upgrades such as leather seats, all-weather floor mats, or premium sound systems.</p> <h2>Other Benefits</h2> <p><strong>World Elite MasterCard benefits</strong>. The GM BuyPower card includes benefits by World Elite MasterCard such as concierge serve for assistance in purchasing tickets, buying gifts, and making dinner reservations, $1 million in travel accident insurance against accidental death or dismemberment, and car rental insurance through MasterRental. Additionally, if you find that a purchase made with your card is available at a lower price within 60 days, MasterCard will reimburse you for the price difference through MasterCard&rsquo;s price protection feature.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>0% intro APR for purchases for 12 months (then 13.90%-23.90% variable)</li> <li>0% Balance Transfer Fee</li> <li>0%&nbsp;Foreign Transaction Fee</li> </ul> <p><a href="http://ct.wisebread.com/click.php?pg=82&amp;pid=35&amp;pp=0&amp;uv=sbutton2&amp;fot=1316"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/apply-now.png" class="img-exempt" alt="" width="154" height="50" /></a></p> <h2>Pros</h2> <p><strong>Introductory APR. </strong>There is an introductory APR of 0% for purchases from 12 months of account opening. If you are planning on making a large purchase, this gives you a year to pay it off without paying any interest on the purchase.</p> <p><strong>No annual or balance transfer fees. </strong>There is not only no annual fee for the card, but also no balance transfer fee. Although the introductory APR of 0% is not offered for balance transfers, if you have a balance on a card with a higher APR, you can save money transferring and paying it off, without paying a balance transfer fee. The balance transfer fee with credit cards is typically the greater of $5 or 3%, which means on a balance of $5,000 you can save about $150 just in fees.</p> <p><strong>No foreign transaction fee</strong>. There is also not foreign transaction fee with this card. If you travel abroad frequently, you definitely want to make sure you maximize your earning potential by using a rewards card that does not charge a foreign transaction fee, which can be as much as 3% on foreign purchases with other cards.</p> <p><strong>No rotating spending categories.</strong> Often, rewards cards offer special spending categories that earn more cash back but you have to sign up for those categories every three months. Other cards also usually offer higher awards only on specific purchases such as airfare, grocery, or gas, which limits the categories that earn the most rewards. This card awards the maximum 5% award on all purchases up to $5,000 per year, and then your purchases earn a flat rate of 2%.</p> <p><strong>High rate of rewards.</strong> There are virtually no other credit cards which allow you to earn as much as 5% rewards in any category, on any purchase. Although there is a limit of $5,000 in spending per year to earn the 5% rewards with the GM BuyPower credit card, it still allows you to earn as much as $250 in rewards each year, plus an unlimited 2% on the rest of your purchases, which, even at 2%, is still competitive with the rewards earned from other credit cards.</p> <h2>Cons</h2> <p><strong>No sign-up incentive.</strong> Many rewards cards offer incentives or sign-up bonuses to attract new customers which result in extra cash back or, in the case of travel rewards cards, free flights or hotel stays if you spend a certain amount with the card within a designated time frame. Although the GM BuyPower card offers an introductory APR for purchases, there is no extra bonus available for new customers. (See also: <a href="http://www.wisebread.com/5-best-credit-cards-that-offer-bonus-cash-for-sign-up">Best Credit Cards Offering Sign-Up Bonus Cash</a>)</p> <p><strong>Limited redemption options.</strong> The rewards earned with Capital One's GM BuyPower Card can only be redeemed toward the purchae or lease on new Chevrolet, Buick, GMC, or Cadillac vehicles. You do not have the option to redeem for cash or spend your rewards on gift cards or other merchandise. The upside of this, however, is that you can redeem your rewards at any time without accumulating a certain amount of rewards first. (See also: <a href="http://www.wisebread.com/5-best-cash-back-credit-cards">Best Cards for Earning Cash Back</a>)</p> <h2>Who This Card Is Best For</h2> <p>It goes without saying that the GM BuyPower Card from Capital One&reg; is best for those who plan on eventually purchasing or leasing a Chevrolet, Buick, GMC, or Cadillac vehicle. It's great for anyone who's trying to save for their dream GM car &mdash; all their credit card purchases can contribute to this cause.</p> <p style="text-align: center;"><strong><a href="http://ct.wisebread.com/click.php?pg=82&amp;pid=35&amp;pp=0&amp;uv=send&amp;fot=1316">Click here to learn more and apply for the GM BuyPower Card from Capital One&reg; today!</a></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christina-majaski">Christina Majaski</a> of <a href="http://www.wisebread.com/capital-one-buypower-get-your-dream-gm-car">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Unlimited Cash Back: The Quicksilver Cash Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card">A Card That Works Hard for Those with Average Credit: Capital One&amp;reg; Platinum Credit Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit">Capital One® Secured Mastercard®: The Best Option for Repairing Your Credit</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-no-hassle-cash-rewards-card">No Hassle: Capital One Cash Rewards Card</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Credit Cards Capital One credit card reviews GM Fri, 20 Mar 2015 06:04:23 +0000 Christina Majaski 1348813 at http://www.wisebread.com The Capital One Platinum Prestige Credit Card Offers Value Instead of Perks http://www.wisebread.com/the-capital-one-platinum-prestige-credit-card-offers-value-instead-of-perks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-capital-one-platinum-prestige-credit-card-offers-value-instead-of-perks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-and-credit-card-iStock_000008324561Small_0.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><strong><em>Editor's note: This card is no longer available. For a similar card, check out the <a href="http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card?ref=review">Capital One Platinum Credit Card</a></em></strong></p> <p>There are some credit card users who look for the product with every conceivable bell and whistle. They are the ones who are dazzled by glittering offers of points, miles, perks, and benefits. But sadly, many of these people end up seeing their savings getting eaten alive by fees and interest charges that are higher than they could be.</p> <p>Other credit card users just want a simple product. To heck with all those benefits that few can ever use, just give them the best rates! If this is you, consider the Capital One Platinum Prestige card with no annual fee.</p> <h2>How This Card Works</h2> <p>This is not a feature filled card with rewards for spending more or benefits that result in a high annual fee. Instead, this is a card with just a few of the most valuable credit card perks.</p> <p><strong>Travel benefits</strong>. Cardholders receive complimentary auto rental insurance and travel accident insurance, allowing you to travel knowing that you have some protections to fall back on if you're ever in trouble. <strong><br /> </strong></p> <p><strong>Extended warranty protection</strong>. Purchases made with this card are covered by an <a href="http://www.wisebread.com/how-to-take-advantage-of-free-extended-warranty-from-your-credit-card-issuer?ref=review">extended warranty program</a> that adds an additional year to your products warranty.</p> <p><strong>Free monthly credit score</strong>. Cardholders will also have access to their monthly credit score at no additional cost for as long as they remain a cardmember.</p> <h2>Pros</h2> <p><strong style="font-family: inherit; font-style: inherit;">Low fees</strong><span style="font-size: 13px;">. I also love the fact that there is no annual fee and no foreign transaction fees. Those with the best credit scores will qualify for the lowest standard APR.</span></p> <h2>Cons</h2> <p><strong>No rewards or bonus</strong>. There are no rewards for this card, and those who pay their balances in full and on time each month should always be looking for the best reward card out there. Likewise, there is no <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=review">sign up bonus</a> for new applicants.</p> <h2>Who This Card is Best For</h2> <p>This is the ideal card for those who occasionally must carry a balance on their credit cards, as well as those who might be carrying some debt. And so long as cardholders use the promotional financing offer to pay down their debts rather than add to them, they can save a lot of money with this card.</p> <!--<p><a href="http://www.wisebread.com/capital-one-platinum-prestige?ref=971531"><strong>Click here to apply for the Capital One&reg; Platinum Prestige Credit Card today!</strong></a></p>--><!--<p><a href="http://www.wisebread.com/capital-one-platinum-prestige?ref=971531"><strong>Click here to apply for the Capital One&reg; Platinum Prestige Credit Card today!</strong></a></p>--><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/the-capital-one-platinum-prestige-credit-card-offers-value-instead-of-perks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-venture-rewards-card-review">Travel Rewards Don&#039;t Get Easier Than This: Capital One® Venture® Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/unlimited-cash-back-the-quicksilver-cash-rewards-credit-card">Unlimited Cash Back: The Quicksilver Cash Rewards Credit Card</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-card-that-works-hard-for-those-with-average-credit-capital-one-platinum-credit-card">A Card That Works Hard for Those with Average Credit: Capital One&amp;reg; Platinum Credit Card</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-buypower-get-your-dream-gm-car">GM BuyPower Card from Capital One: Get Your Dream GM Car</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/capital-one-secured-mastercard-the-best-option-for-repairing-your-credit">Capital One® Secured Mastercard®: The Best Option for Repairing Your Credit</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards Capital One credit card reviews Fri, 23 Jan 2015 05:19:38 +0000 Jason Steele 971531 at http://www.wisebread.com