Capital One Credit Cards Review

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Founded in 1988 by Richard Fairbank and Nigel Morris, Capital One is one of the primary reasons why you see credit cards marketed so heavily today.  In the mid 1990′s, Capital One made a strong push towards print and television advertising. I see a commercial with Jimmy Fallon or Alec Baldwin promoting Capital One credit cards everyday … perhaps because I watch too much TV!

Of all the credit cards offered by issuers today, I would argue that Capital One offers the most diverse product line.   Currently the fourth largest customer of the US Post Office (they send out so many credit card applications every week), Cap One has cards for all levels of credit and all types of rewards customers.  I’ve outlined their most popular products below, including their new line of Spark cards for business owners.

Capital One Consumer Credit Cards

Capital One® Cash Rewards
	$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 June 2014.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% Until June 2014 12.90%-20.90% (Variable) $0 0% Excellent Credit

Capital One® Platinum Credit Card
	$0 intro annual fee for the first year; $19 after that Image Card - personalize your card with an image of your choice $0 Fraud Liability if your card is lost or stolen Monitor your spending with text message alerts
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 24.90% (Variable) $0 intro for first year; $19 after that N/A Fair Credit

Capital One® VentureOneSM Rewards Credit Card
	1.25 miles per dollar on every purchase, every day and no annual fee One-time bonus of 10,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $100 in travel Redeem miles for airline tickets, hotel rooms, car rentals and more No limit on the miles you can earn and miles don't expire Fly on any airline, any time with no blackout dates 0% intro APR on purchases until June 2014 No foreign transaction fees
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% Until June 2014 11.90%-19.90% (Variable) $0 N/A Excellent Credit

Capital One® VentureSM Rewards Credit Card
	2 miles per dollar on every purchase, every day As seen in Money® Magazine’s “Best” issue three years in a row. - Money® Magazine May 2010, 2011, 2012 Earn 10,000 bonus miles when you spend $1,000 on purchases within the first 3 months, equal to $100 in travel Redeem your miles for any travel expense No limit on the miles you can earn and miles don’t expire Fly on any airline, any time with no blackout dates No foreign transaction fees $0 intro annual fee for the first year; $59 after that
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 13.90%-20.90% (Variable) $0 intro for first year; $59 after that N/A Excellent Credit

Capital One® Platinum Prestige Credit Card
	0% intro APR until September 2014 on balance transfers 0% intro APR until September 2014 on purchases No annual fee $0 Fraud Liability if your card is lost or stolen 24-hour travel assistance gives you a replacement card and cash advance 24-hour roadside assistance Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% Until September 2014 10.90%-18.90% (Variable) $0 0% Excellent Credit

Sony Card from Capital One®
	5 points per $1 on Sony purchases at authorized retailers 3 points per $1 on dining out and movie purchases 1 point per $1 spent on all other purchases Redeem for Sony products, movies, music, and more 0% intro APR on purchases until April 2014 No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% until April 2014 13.90%-24.90% (Variable) $0 N/A Excellent Credit

Capital One® Classic Platinum Credit Card
	0% intro APR on purchases until March 2014 $0 Fraud Liability if your card is lost or stolen Enjoy MasterCard benefits, including 24-hour roadside assistance and extended warranty protection Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% Until March 2014 19.80% (Variable) $39 N/A Fair Credit

Capital One® Cash Rewards for Newcomers
	A card designed to help those new to the U.S. establish credit and earn cash back Build credit with responsible use-plus automatic reporting to the three major credit bureaus Get 2% cash back on travel purchases Earn 1% cash back on all other purchases No foreign transaction fees No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 24.90% (Variable) $0 N/A Fair Credit

LSU TigersTM Platinum MasterCard® from Capital One®
	2 points per $1 on purchases at gas stations and major grocery stores 1 point per $1 spent on all other purchases No limit on the points you can earn and points don't expire Redeem for travel, gift cards and merchandise Choose from 2 unique LSU® card designs or create your own image card 0% intro APR on purchases until June 2014 No annual fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% Until June 2014 13.90%-19.90% (Variable) $0 N/A Excellent Credit

Capital One® Secured MasterCard®
	Build credit with responsible use with no processing or application fees Regular reporting to the 3 major credit bureaus Monitor credit with access to a credit score and other tools Your security deposit can get you a line up to $3,000 You may qualify for a credit line increase based on your payment history and creditworthiness Use it like any MasterCard credit card, accepted at millions of locations worldwide
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 22.90% (Variable) $29 N/A Bad Credit

Capital One® Cash Rewards
	50% bonus on the cash back you earn every year 1% cash back on all purchases 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 until March 2014
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% until March 2014 19.80% (Variable) $39 N/A Average Credit

Capital One Student Credit Cards

JourneySM Student Rewards from Capital One®
	Designed to help students build good credit with responsible use Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit Customizable text and e-mail alerts to help keep you on track Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time No annual fee $0 Fraud Liability if your card is lost or stolen
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 19.80% (Variable) $0 N/A Average*

Capital One Business Credit Cards

Capital One® SparkSM Miles for Business
	Earn 2 miles per dollar on every purchase, every day Get 10,000 bonus miles—just spend $1,000 on purchases within the first 3 months Receive 5,000 bonus miles by signing up for one or more employee cards Enjoy exclusive, award-winning customer service $0 intro annual fee for the first year; $59 after that There's no limit to the amount of miles you can earn and miles don't expire Redeem miles for travel, cash back, gift cards, merchandise, and more Fly on any airline, anytime, with no blackout dates or seat restrictions
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 13.9% - 20.9% (V) $0 intro for first year; $59 after that N/A Excellent Credit

Capital One® SparkSM Cash for Business
	Earn 2% cash back on every purchase, every day Get a $100 cash bonus - just spend $1,000 within the first 3 months Receive a $50 cash bonus by signing up for one or more employee cards Enjoy award-winning small business customer service $0 intro annual fee for the first year; $59 after that Redeem cash rewards anytime, for any amount, even set up automatic redemption Earn unlimited cash rewards that don't expire
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 13.9% - 20.9% (V) $0 intro for first year;$59 after that N/A Excellent Credit

Capital One® SparkSM Miles Select for Business
	Get a 50% bonus on the miles you earn every year Earn 1 mile per dollar on every purchase, every day Save with 0% intro APR on purchases until December 2013 Enjoy no annual fee Get online Quarterly and Year-End Summaries There's no limit to the amount of miles you can earn and miles don't expire Fly on any airline, anytime, with no blackout dates or seat restrictions
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% Until December 2013 12.9%-20.9% (V) $0 N/A Excellent Credit

Capital One® SparkSM Cash Select for Business
	Get a 50% bonus on the cash back you earn every year Earn 1% cash back on every purchase, every day Save with 0% intro APR on purchases until December 2013 Enjoy no annual fee Get online Quarterly and Year-End Summaries Redeem cash rewards anytime, for any amount, even set up automatic redemption Earn unlimited cash rewards that don't expire
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% Until December 2013 12.9% - 20.9% (V) $0 N/A Excellent Credit

Capital One® SparkSM Classic for Business
	Enjoy no annual fee Build business credit with responsible use with eligibility for an automatic credit line increase Earn 1% cash back on every purchase, every day Separate business expenses from personal expenses $0 Fraud Liability if your card is ever lost or stolen Enjoy business benefits including Year-End Summaries, employee cards at no additional cost, and experienced small business customer service
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A N/A 22.9% (V) $0 N/A Fair Credit

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Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

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