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Capital One® Cash RewardsQuick Summary:
This is a Visa cash back rewards card issued by Capital One. This card is intended for consumers, or "personal use" with a nearly perfect credit history. APR's may vary among applicants, however the lowest standard APR is 12.9%* and may be as high as 20.9%* (V), depending on your credit worthiness*.Important Rates:
There is a balance transfer offer APR of 0.00% until May 2014*.There is also a purchase introductory APR of 0.00% until May 2014*. Be cautious that some card issuers may charge higher rates and fees for cash advances.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 5.4% to the U.S. prime rate.
There is no annual fee for this card.* Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 703 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the Capital One® Cash Rewards is at least 25 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date. This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment. Approval Rate:
There were 7 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 71% of those applicants were approved.
The approval rate for this card is high. Furthermore, if your FICO score is close to or higher than 703, then your chance of approval may be even greater. Approval Time:
Approval time for this offer is not listed. You could expect a possible instant decision, but you should expect a final credit decision within 1-2 weeks.
Offer Details:
- $100 bonus after you spend $500 on purchases within the first 3 months
- 50% bonus on the cash back you earn every year
- 1% cash back on all purchases
- No annual fee
- Earn unlimited cash back that doesn't expire
- Redeem cash back anytime for any amount, even set automatic redemptions
- Personalize your card with an image of your choice
- 0% intro APR on purchases and balance transfers until May 2014
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Consumer Card Rate Comparison
| APR | 12.9% - 20.9% (V) | | Avg. APR | 15.69%** | | Annual Fee | $0* | | Avg. Annual Fee | $43.39** | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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