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Capital One® Classic Platinum - Visa® Review
Issued by Capital One
  
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Overall Rating:
Benefit Rating:
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The Capital One® Classic Platinum - Visa® card is an excellent option for those with an average credit history.
This card offers a 0% introductory rate on purchases until February 2009, and the interest rate is high thereafter. Plus, the annual fee is only $19.
This card provides common platinum benefits such as emergency roadside assistance, extended warranties for purchases, and travel accident insurance. Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping.
Therefore, those with an average credit history who would like to take advantage of the 0% introductory offer and the reasonable interest rate thereafter will benefit most from what the
Capital One® Classic Platinum - Visa® card has to offer.
This card offers a 0% introductory rate on purchases until February 2009, and the interest rate is high thereafter. Plus, the annual fee is only $19.
This card provides common platinum benefits such as emergency roadside assistance, extended warranties for purchases, and travel accident insurance. Cardholders are also eligible to receive exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping.
Therefore, those with an average credit history who would like to take advantage of the 0% introductory offer and the reasonable interest rate thereafter will benefit most from what the
Capital One® Classic Platinum - Visa® card has to offer.
Review Date: September 29, 2008
Note: The review on this card was updated on September 29, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
| Credit Card Rate Details | |
Intro Rate (Intro APR):
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0% on Purchases until February 2009 |
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Intro Applied Towards:
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Purchases |
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Additional Intro Details:
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A 0% introductory rate is available on purchases until February 2009. See terms and conditions for complete details. |
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Purchase APR:
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14.90% |
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Cash APR:
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22.90% |
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Finance Configuration:
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Average Daily Balance (including new purchases) |
| Credit Card Fee Details | |
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Annual Fee:
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$19 |
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Additional Cardholders:
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$0 |
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Grace Period:
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25 Days |
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Late Payment Fee:
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Balance of $0 - $99.99 = $15 fee; balance of $100 - $249.99 = $29 fee; balance of $250 or more = $39 fee |
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Over the Limit Fee:
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Credit limit of $0 - $499.99 = $19 fee; credit limit of $500 - $999.99 = $29 fee; credit limits of $1,000 or more = $39 fee** |
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Cash Advance Fee:
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3% of amount of the cash advance, but not less than $10. |
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Balance Transfer Fee:
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None |
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Minimum Credit Limit:
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$300 |
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Maximum Credit Limit:
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$3,000 |
| Features | |
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Most Attractive Feature(s):
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| 0% introductory rate. | |
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Least Attractive Feature(s):
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| No rewards program. | |
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Additional Features:
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| 24-Hour Roadside Assistance with lock-out service, towing, and flat repair. Emergency card replacement or cash advance if your card is lost or stolen. $100,000 Worldwide Automatic Travel Accident Insurance. Collision, Damage, and Loss Insurance on rental cars. Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping. See website for additional benefits. |
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Important Notations
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| This card is for applicants with Average Credit. *See Capital One® important disclosures for more information. **The over-the-credit-limit fee will be based on the amount of the cardholder's credit limit at the time the fee is applied. | |
