capital one platinum mastercard guide to benefits

Additional benefits · Cell Phone Protection · Fraud Protection · Your Credit Score · Contactless · Choose Your Payment Due Date · 24/7 Account Access · AutoPay. Capital One Business Platinum Mastercard, $10,000, $50,000. Capital One Professional Check your benefits guide to find the full list. Explore Additional Benefits · 5% cash back calendar · Service & protection · Redeem Cash Back rewards · Perks and offers · Credit Journey.

: Capital one platinum mastercard guide to benefits

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Capital one platinum mastercard guide to benefits
Capital one platinum mastercard guide to benefits

Check your eligibility for a Post Office Credit Card without affecting your credit score with our QuickCheck tool.

Capital One is the exclusive lender and issuer of all new Post Office Credit Cards, for which Post Office acts as credit broker.

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    We just need you to answer a few questions, then we'll perform a "soft check" that will let you know if you're going to be accepted when you apply for a credit card.  

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    It doesn't affect your credit score 

    We perform a "soft check" that you'll be able to see on your credit file but other lenders won't see that you've used QuickCheck therefore, it won't affect your credit score.

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Post Office classic credit card

19.9% to 34.9% (variable) range of APR depending on individual circumstances.

Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.

  • £200 - £8,000 credit limit
  • You may be eligible for 0% on purchases for up to 12 months*
  • You may be eligible for 0% on balance transfers for up to 12 months (2.9% transfer fee)*

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Post Office classic credit card
  • Our credit card can be a way to make a balance transfer or pay for a one-off expense that’s larger than your normal outgoings. But lenders need to know that you’ll repay what you owe in a way that you can afford.
  • Applying for a credit card and being declined can affect your credit score. But using QuickCheck before you apply doesn’t affect it, meaning that you are equipped with the information you need to apply with confidence.
  • Your credit score is one way that lenders decide whether you’re eligible for a credit card. If your credit score is good, you’re more likely to be approved for a credit card.
  • Remember that credit scores aren’t the only way that lenders assess your suitability for a credit card. However, a successful QuickCheck guarantees that you’ll be accepted, subject to fraud and ID verification.

Small print

Mastercard® and the Mastercard Symbol are registered trademarks of Mastercard International Incorporated.

Capital One® is a registered trademark of Capital One. Post Office Limited is an appointed representative of Capital One (Europe) Capital one platinum mastercard guide to benefits which is authorised and regulated by the Financial Conduct Authority. Capital One (Europe) Capital one platinum mastercard guide to benefits Registered Office: Trent House, Station Street, Nottingham NG2 3HX. Registered in England and Wales (No. 3879023). VAT Registration Number 690686101.

Capital One is the exclusive lender and issuer of all new Post Office Credit Cards, for which Post Office acts as credit broker. Post Office Limited is registered in England and Wales (No. 2154540). Registered office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited.”
 

*Fees and terms are subject to your individual circumstances and may differ from those displayed.
 

Источник: https://www.postoffice.co.uk/credit-card/check-eligibility

Capital One Venture X Rewards Credit Card: Apply Now! 100K Bonus & Lounge Access

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Capital One is shaking up the premium travel credit card landscape with a brand new card. And after unveiling it last week, the Capital One Venture X Rewards Credit Card opened for applications on Tuesday.

With a bonus of 100,000 Venture Miles plus a $200 credit for Airbnb or VRBO stays after spending $10,000 in six months, lounge access, $300 in annual travel credits, and other perks, this brand new premium travel card is making a serious splash. But unlike other top-tier cards, the Venture X clocks in with an annual fee of just $395 a year.

Already got the Venture Card in your wallet? You can apply for this new card and earn the bonus! You could also call in to upgrade, but you won’t earn the same bonus.

 

capital one venture x card

 

Click Here to learn more about the Capital One Venture X Rewards Credit Card

 

What is the Venture X Credit Card?

It’s the bank’s first foray into premium travel cards with heavy travel benefits like lounge access, annual travel credits, and more, competing against the likes of the Chase Sapphire Reserve® and the Platinum Card® from American Express.

But compared to those competitors that cost as much as $695 a year, the annual fee is incredibly reasonable: Just $395 per year. And considering you get $300 in travel credits each year among other perks, the actual cost for holding this card is much lower.

Here’s a full look at the brand new Venture X Card.

 

Venture X Benefits Overview

Still, the new Capital One Venture X Card offers some comparable benefits that will make it a no-brainer for many travelers:

  • Huge Welcome Bonus: Earn 100,000 Venture Miles after spending $10,000 in the first six months. Plus, you can earn a $200 credit for Airbnb or VRBO homestays.
  • Travel Statement Credits: $300 annual travel credit.
  • Lounge Access: Free access to 1,300-plus lounges capital one platinum mastercard guide to benefits the Capital one platinum mastercard guide to benefits Pass network and Capital One’s brand new lounges. Get two home savings and loan credit card guests, too.
  • Global Entry or TSA PreCheck:Up to $100 in statement credits to sign up for either TSA PreCheck or Global Entry. This credit is good once every four years, and membership in both programs lasts five years.
  • Earning More Points: Capital One Venture X cardholders will earn 10x miles on hotels and rental cars and 5x miles on flights booked via the Capital One Travel portal, then an unlimited 2x miles on every dollar spent on all other purchases with the card.
  • Great Travel & Rental Car Insurance: By paying for your travels with a Venture X, you’ll get unbeatable primary rental car coverage, trip cancellation insurance, trip delay coverage, and reimbursement if your baggage gets lost or stolen.

 

 

New Capital One Venture X Card Sign-Up Bonus

 

100,000-Mile Bonus & More

The Venture X is kicking things off with a huge limited-time bonus: 100,000 Capital One Venture Miles after spending $10,000 on the card in your first six months of card membership.

But cardholders will also get up to $200 in statement credits for vacation rental purchases like Airbnb and VRBO in their first year.

The $10,000 in spending required to earn that bonus may scare off some travelers. And for good reason: Credit cards are serious business, and no one should be putting any charges on a credit card they can’t afford to pay off immediately – let alone $10,000. But spread over six months, that works out to just over $1,600 a month.

Capital One has indicated that this bonus will only be available for a limited time, but they haven’t yet announced an end date.

 

Venture X Card Rewards and Benefits

 

$300 A Year Toward Travel

Each year of card membership, Venture X cardholders will get up to a $300 travel credit to use for Capital One Travel bookings.

Just use your card to book flights, hotels, rental cars, and more through the new and improved Capital One Travel portal and you’ll automatically get reimbursed on all purchases up to $300.

Think of it this way: Do you plan to spend $300 or more on travel each year? Then this card’s annual fee isn’t $395 – it’s more like $95. That automatically makes this card a brilliant alternative to the popular Capital One Venture Card.

Not to mention, you’ll earn also 10x Venture miles on hotels and rental cars – or 5x miles on flights – booked via Capital One Travel. And that’s true even when you’re putting that $300 credit to use. Other cards with these credits like the Chase Sapphire Reserve may make them easier to use by automatically applying to almost any travel purchase, but you typically don’t earn the bonus miles until you’ve exhausted that credit.

Capital One’s new Hopper-powered platform officially rolled out earlier this fall. While we typically steer clear of third-party sites and online travel agencies, Capital One has added some potent features to this new portal that could turn that logic on its head.

Read More: Capital One Venture X $300 Travel Credit: Everything You Need to Know

 

Capital One Lounge & Priority Pass Lounge Access

This is a big one.

Capital One Venture X cardholders will get complimentary access to the new Capital One Lounges, the first of which officially opened its doors in Dallas-Fort Worth (DFW) last week – and more are on the way soon. It’s the only credit card that will provide complimentary access to the Capital One lounges. And it’s Capital One’s first card that offers lounge access.

 

capital one dfw lounge

 

Check out our sneak peek at the Dallas lounge – and watch for locations in Denver (DEN) and Washington, D.C.-Dulles (IAD) to open next year!

You’ll also get a full Priority Pass membership, which will get you into 1,300-plus airport lounges around the globe. While most of these contract lounges may not be as nice as the new Capital One space, they have such a massive footprint that makes it much easier to get into a lounge no matter where you’re flying. Plus, membership through the Venture X will also get you comped meals at Priority Pass restaurants – a benefit that other cards have cut.

Here’s the kicker: Venture X cardholders can add up to four authorized users onto their card account at no additional cost. And each authorized user will receive their own lounge membership allowing them to bring in up to two guests with them on each visit as well.

With other top travel cards, adding authorized users to give them their own lounge access and other benefits costs $75 to $175 a year. Not so here.

Read More: Incredible: Adding Capital One Venture X Authorized Users for Free

 

Credit for Global Entry or PreCheck

Add the Capital One Venture X to the growing list of credit cards offering up to a $100 credit for either TSA PreCheck or Global Entry. Membership in either program is good for five years and Venture X cardholders will get this credit every four years.

 

capital one venture x card

 

If you plan for any sort of international travel, spring for Global Entry as it includes a TSA PreCheck membership. At just $100, the statement credit provided by the Venture X credit card will completely cover your membership cost for as long as you keep the card open.

Taking advantage of this credit is simple. Just use the card when you pay for your application and voila: Your credit will kick in to cover the entire cost.

Read more: Global Entry vs. TSA PreCheck: Which is Better for You?

 

10,000 Bonus Miles Each Year

Each and every year on your account anniversary, you’ll receive 10,000 bonus Venture miles after paying your card annual fee. These miles are worth a minimum of $100 towards travel – and potentially much more by utilizing the Capital One Transfer partners.

You won’t get this right when you open the card: This benefit starts in your second year.

Cardholders can also earn 25,000 bonus miles for each friend they refer to the Venture X – for a total of up to 100,000 miles per year.

 

Earn 2x Miles on Every Purchase & More

Like the Capital One Venture Rewards Credit Card, Capital One Venture X cardholders will earn 2x miles on every dollar spent on the card.

That’s incredibly lucrative, and could easily make the Venture X card a mobile homes for sale or rent near me option in your wallet for many expenses.

However, unlike the legacy Venture card, Venture X cardholders will also earn 10x miles on hotels and rental cars, and 5x miles on flights booked via the Capital One Travel portal.

 

Venture X cardholders will receive complimentary Hertz President’s Circle status.

As the highest level of elite status in their Gold Plus Rewards program, President’s Circle elite members who book an intermediate car or higher get guaranteed upgrades to the next available car class or the ability to choose a car from the President’s Circle Ultimate Choice aisle. Members can also skip the counter when renting a car, have access to a dedicated Hertz Rewards customer service line, and have the ability to add an additional driver at no cost.

This benefit will be available for both primary cardholders and authorized users.

 

Travel Insurance & Rental Car Coverage

Premium travel credit cards typically come with some excellent travel protection policies, and the Venture X is no different.

This brand new Capital One card is technically a Visa Infinite card, which is a distinction that doesn’t matter much … until it comes to these benefits. Charge your rental car, flights, or any trip to your Venture X card and you’ll get:

  • Primary Rental Car Coverage: Some of the strongest rental car insurance you can get, nearly identical to what’s available through the Chase Sapphire cards. Decline the rental car agency’s policy and you’ll have a strong insurance policy that will cover most damages or even the theft of the vehicle. It applies to rentals in the U.S. as long as 15 days and in most foreign countries for up to 31 days. Check out the fine print of this policy.
  • Lost Luggage Reimbursement: Airline lose your luggage – or did it get stolen? If you paid with your Venture X Card, you can get up to $3,000 to replace the bag and its contents (or $2,000 per bag for New York residents). The cardholders and all immediate family members are covered.
  • Trip Delay Coverage: Get reimbursed for up to $500 in additional expenses like overnight hotel stays or new plane tickets if your travel is delayed by six or more hours – or forces an capital one platinum mastercard guide to benefits stay.
  • Trip Cancellation and Interruption Coverage: If something goes seriously wrong on your trip like an accident, capital one platinum mastercard guide to benefits, or death that forces you to cancel or cut it short, you’re covered for up to $2,000 per person in expenses – and you, a spouse, and any dependent children are eligible.

That’s on par with some of the best travel insurance policies from credit cards that we’ve ever seen. Just pay for your trip with your Venture X Card and you’re set.

 

$395 Annual Fee

The Venture X card has an annual fee of $395 each year. Compared to other premium travel credit cards, that’s a bargain.

That $395 fee may still seem steep, but it’s a mirage: It’s actually far cheaper. Consider the fact that you get an automatic $300 credit a year towards travel booked through the Capital One Travel portal. Then, starting in year two, you get a 10,000-point bonus every year – points that are worth a minimum of $100.

Are you the kind of person who plans to spend $300 a year or more on travel? If so, do the math and you’ll see that in reality, you’re paying $95 (or less) a year for this card. If you’re not the kind of person spending $300-plus a mountain america credit union checking account number on travel, a premium travel credit card like this one probably isn’t the right move.

Unlike other premium credit cards, there is no fee to add authorized users. You can add up to four authorized users for free, who will also receive their own lounge access with the ability to bring up to two guests in with them.

Read More: Why The Capital One Venture X Annual Fee Shouldn’t Scare You Off

 

No Foreign Transaction Fees

Because it’s a Visa Infinite card, you won’t pay foreign transaction fees when using your Capital One Venture X abroad.

 

capital one venture x card

 

Click Here to learn more about the Capital One Venture X Rewards Credit Card

 

Who Can Get the Venture X Card?

Capital One has indicated that you will need an excellent credit score to be approved for the Venture X card. That means those with a credit score above 740 will have the best chances of being approved.

 

credit scores

 

Already have the Venture or VentureOne Card? No problem: Capital One confirmed that current cardholders will be eligible to apply for the new Venture X Card – or simply upgrade. There’s no rule limiting you to holding just one type of Venture card, as is the case with Chase and its Sapphire Card lineup.

Historically, Capital One has been one of the more strict (and secretive) credit card issuers when it comes to their standards of who gets approved and who gets denied. While they don’t publish any specific rules like the Chase 5/24 rule, there are some general guidelines to keep in mind when applying for any Capital One card.

  • Capital One typically limits consumers to hold just two Capital One-branded cards at a time. That means if you’ve already got a Venture Card and the Capital One Savor Rewards Credit Card, you likely won’t get approved for another card.
  • Capital One generally only allows you to open one Capital One credit card every six months. So if you’ve recently applied and opened another Capital One card, you may need to wait.
  • Data points suggest that, much like the Chase 5/24 rule, those who have opened five or more credit cards (from any bank) in the last 24 months will also have a hard time being approved for Capital One card products.

But these aren’t hard and fast rules. Since this card first launched, we’ve been surprised to see many travelers who expected to be declined for the Venture X Card get an automatic approval.

Read More: Are You Eligible for the Capital One Venture X Card? 

 

How Much are 100K Capital One Miles Worth?

It depends on how you use them. And fortunately, these miles are incredibly versatile.

Let’s start with the bonus … because it’s actually even bigger than 100,000. Considering you earn 2x miles on every purchase, the $10,000 you have to spend to earn that welcome bonus rounds it out to at least 120,000 Venture miles total.

Capital One has one of the simplest ways to redeem miles toward travel: It’s called Capital One Purchase Eraser. Just book a flight, hotel, or any travel expense with your Venture X, then go back and use Purchase Eraser to cover it with miles.

Using Purchase Eraser, every single mile is worth 1 cent toward travel. The same is true when using another method to book travel: Capital One’s new travel portal, where you can search for flights, hotels, or rental cars and book directly through Capital One.

That means 120,000 Venture Miles are worth at least $1,200 toward travel. But you could do even better.

Last month, Capital One leveled up its transfer partnership program with new additions and improvements, solving the glaring weakness of that option that made it second to Chase and Amex. Now, you can transfer to 15 different airline and hotel programs on a 1:1 basis. That means 120,000 Venture Miles can become 120,000 British Airways Avios. Or 120,000 Emirates Skywards miles. Or 120,000 Turkish miles.

With this improved transfer partner program, these miles are potentially worth much, much more. It makes Venture Miles a genuine double-threat.

 

Why We Think the Venture X Card is Outstanding

The Venture X Card is a game-changer among premium travel credit cards.

There are cheaper (or free) travel credit cards that don’t come with many travel benefits, there are benefit-rich travel credit cards with exorbitant annual fees … and there’s nothing in between. Capital One officials weren’t exactly subtle about their motivation.

“In talking to customers, we feel that there is a gap in the market,” Lauren Liss, Capital One’s managing vice president of U.S. cards, said in an interview with Thrifty Traveler. “Customers don’t want to pay $600 for a card that offers travel benefits. And they don’t want to take the time to continually track a laundry list of benefits they have to remember to register for.”

Rumors have been swirling for years about Capital One venturing (pun intended) into the premium credit card market. Those rumors intensified as they announced plans this year to enter the airport lounge space, competing head to head with American Express Centurion Lounges.

This new card will get you and two guests free access to Capital One and Priority Pass lounges. After getting a sneak peek at the very first lounge in Dallas, we were impressed. If they can repeat that experience as more lounges open in Denver, Dulles, and beyond, Capital One will have hit a home run.

 

capital one lounge

 

We’ll admit it: We were skeptical about Capital One’s plans for a premium card at first. Why mess with a good thing they had with the ever-popular Capital One Venture Rewards Credit Card?

One of the best things about the Capital One Venture Card that has drawn in thousands of capital one platinum mastercard guide to benefits is its simplicity. Pay a $95 annual fee, earn 2x miles on every single purchase you make, buy any flight, hotel, or even a cruise or Airbnb, and cover the cost using your miles using the Capital One Purchase Eraser.

It’s built around catering to the average traveler. Why overcomplicate that with questionable benefits, convoluted transfer partnerships, or hefty annual fees that would scare them away?

But Capital One has made some big moves recently that change that calculus. And now it’s taking the best things about the Venture Card and putting them on steroids with the Venture X – all while retaining that simple, straightforward approach.

 

Bottom Line

After an exciting unveiling last week, the new Capital One Venture X Rewards Credit Card is now available for new applications. And it will shake up the premium travel credit card space – big time.

With just a $395 annual fee, it’s automatically a compelling alternative to far more expensive top-tier travel cards. But add in the 100,000-mile welcome bonus and $500 total in upfront, money-saving credits for travel expenses and Airbnb or VRBO stays? This is easily the most exciting and compelling travel credit card launch we’ve seen in many, many years – if ever.

 

capital one venture x card

 

Click Here to learn more about the Capital One Venture X Rewards Credit Card

Images courtesy of Capital One

 

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Источник: https://thriftytraveler.com/news/credit-card/capital-one-venture-x-card/

Benefits of the Capital One Platinum

The Capital One Platinum Credit Card isn't a fancy credit card by any means.

Capital One Platinum Credit Card Credit Card
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

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It doesn't offer rewards or perks or even a low interest rate. What makes it such a popular card is who can get it. It's specifically marketed to people with average credit.

Here are the benefits of the Capital One Platinum Credit Card.

» MORE:NerdWallet review of the Capital One Platinum

Qualify with average credit

There just aren't a lot of good credit capital one platinum mastercard guide to benefits options for people with credit scores roughly between 630 and 690 — commonly referred as "fair" or "average" credit. There are options galore for those with good to excellent credit, and people with bad credit can turn to secured credit cards. Those in between the extremes can get stuck. The Capital One Platinum Credit Card is one of the few cards from a major issuer that is available to people with less-than-good credit and doesn't require a security deposit. In short, the signature Capital One Platinum Credit Card benefit is that it's available to capital one platinum mastercard guide to benefits many people.

» MORE:NerdWallet's best credit cards for fair credit

No annual fee

As a general rule, a credit card for someone with good to excellent credit won't charge an annual fee unless it offers outstanding rewards or perks that make up for the cost. But people with poor or fair credit sometimes face annual fees of $25 or more just for a basic card with no rewards. The Capital One Platinum Credit Card has an annual fee of $0. Not only does that save you money now, but a $0 fee means you can keep the card account open at no cost even after you qualify for other, better products — and that can benefit your credit score.

Path to a higher credit limit

You can be automatically considered for a credit limit increase in as little as six months if you pay your bill on time. This can add flexibility to your finances. More important, it can benefit your credit by reducing your credit utilization, or the percentage of your available credit that you're using, a major component in your credit score. This automatic account review is especially beneficial if you're working to build your credit because it means you don't have to request a credit line increase yourself. Customer-initiated requests can lead to a "hard" credit check that hurts your score.

» MORE: What's the difference between a soft inquiry and a hard inquiry on my credit report?

No foreign transaction fees

Most U.S. credit cards impose a surcharge on purchases made outside the country. The typical fee is about 3%. Capital One's cards don't charge foreign transaction fees, making this card a fine traveling companion.

» MORE: NerdWallet's best no foreign transaction fee credit capital one platinum mastercard guide to benefits your due date

You can select the date of the month when your payment will be due, a benefit to those who have to carefully manage their cash flow.

Excellent upgrade options

One drawback with many cards designed for average credit is that they come from specialty issuers that focus only on the lower-score segment of the market. You can use their cards to build credit, but once your score has improved, you have to look elsewhere for better options. Capital One, however, has an array of excellent rewards cards that you could request a product change to. Just know that approval for an upgrade is never guaranteed.

» MORE: NerdWallet's best Capital One credit cards

More about the card

Источник: https://www.nerdwallet.com/article/credit-cards/benefits-capital-one-platinum

Compare Credit Cards

Credit cards subject to credit approval. Certain fees and restrictions may apply.

1 Cash Back rewards are based on Net Purchases (qualifying purchases less credit, returns, and adjustments). 1% base Cash Back for every $1 of net purchases. Eligible merchants for the 3% bonus categories (2% additional Cash Back on top of the 1% Base Cash Back) include: groceries (representing grocery stores/supermarkets, freezer/meat provisioners, miscellaneous food stores, bakeries, and candy/nut/confection stores); (b) Dining (representing eating place restaurants, bars, lounges and fast food restaurants); (c) Gas (representing service stations and automated fuel dispensers). After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back on gas purchases. While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of the West does not control how the purchases are classified. Some purchases may not fall into the category where you might expect them to appear.

2 Certain exclusions and limitations may apply. For full terms and conditions, please refer to the Mastercard Guide to Benefits for Credit Card Holders

3 For more information about Zero Liability protection, refer to www.Mastercard.us/zero-liability.html. Also, see additional protections contained in your Bank of the West Credit Card Account Agreement regarding Your Liability for Unauthorized Use and Billing Rights under the Fair Credit Billing Act. Limitations apply. Insurance is provided by insurance carriers indicated in your Guide to Benefits. Certain restrictions apply — please see your Guide to Benefits for details.

Mastercard and the Mastercard Brand Mark are registered trademarks.

Источник: https://www.bankofthewest.com/personal-banking/credit-cards.html

Credit cards

Check to see if you’re eligible

Before you apply, find out how likely you are to be accepted for a Barclaycard with our free, easy-to-use tool. Just so you know – your credit rating won’t be affected, and you’re not obliged to apply for a card afterwards.

Compare our credit cards

Whether you’re new to credit, want to manage your money better or you’re looking for rewards, we’ve got a range of cards that could help.

Barclaycard Rewards card

  • 0.25% cashback on your everyday spending
  • No fees abroad – you’ll be able to withdraw cash from a cash machine, buy your souvenirs without any charges and benefit from Visa’s competitive exchange rate
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative22.9% APR (variable)

Purchase rate p.a.22.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The interest rates may differ from those shown.

Barclaycard Forward

  • A personalised credit limit between £50 and £1,200
  • 0% interest on purchases, for three months after you open your account
  • Price promise – 3% interest rate reduction if you make all your payments on time for the first year. Keep it going in the second year and you’ll get another 2% reduction
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative33.9% APR (variable)

Purchase rate p.a.33.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your eminem 50 obie trice approval of your application depends on your financial circumstances and borrowing history, so do the terms you may be offered.

Barclaycard Platinum up to 29 month balance transfer card (a transfer fee applies)

  • 0% interest on balance transfers for up to 29 months, which starts on the date you open your account (a 2.69% transfer fee applies). You’ll need are banks in georgia open today make your transfers within the first 60 days to enjoy the 0% offer
  • 0% interest on purchases for up to 3 months from the date you open your account
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative21.9% APR (variable)

Purchase rate p.a.21.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates may differ from those shown.

Barclaycard up to 20 month balance transfer and up to 22 month purchase Platinum card (a transfer fee applies)

  • 0% interest on purchases, for up to 22 months after you open your account
  • 0% interest on balance transfers for up to 20 months, which starts on the date you open your account (a 2.9% fee applies). You’ll need to make your transfers within the first 60 days to enjoy the 0% offer
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative21.9% APR (variable)

Purchase rate p.a.21.9% (variable)

Based on credit online trading academy roseville of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates may differ from those shown.

Barclaycard Platinum up to 15 month balance transfer card (no transfer fee applies)

  • 0% interest on balance transfers for up to 15 months, which starts on the date you open your account (no transfer fee applies). You’ll need to make your transfers within the first 60 days to enjoy the 0% offer
  • 0% transfer fee on each balance transfer made. Terms and conditions apply
  • 0% interest on purchases for up to 6 months from the date you open your account
  • Get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply

Representative example

Representative21.9% APR (variable)

Purchase rate p.a.21.9% (variable)

Based on credit limit of£1,200

If you apply for a Barclaycard, we’ll show you more information about how to get the most from your offer. The approval of your application depends on financial circumstances and borrowing history, so do the terms you may be offered. The balance transfer period and interest rates may differ from those shown.

You must have a Barclays or Barclaycard account, have a mobile number and be aged 16 or over to use the Barclays app. Terms and conditions apply.

Источник: https://www.barclays.co.uk/credit-cards/

Capital One Platinum Secured Credit Card review: Build credit with no annual fee

CAPITAL ONE PLATINUM SECURED CREDIT CARD FEATURES

With no annual fee, a free credit tracking tool, Platinum Mastercard® benefits and Apple Pay capabilities, the Capital One Platinum Verified by visa registration bank of america Credit Card goes beyond the basics secured cards typically offer. Plus, its low minimum security deposit requirement make it an even more attractive option for individuals looking to build or rebuild their credit history with responsible use.

Capital One Platinum Secured Credit Card best features:

  • No annual fee
  • Chip-enabled
  • Receive an initial credit line of $200 after making a security deposit of $49, $99 or $200. Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit.
  • Regular reporting to all three major credit bureaus
  • $0 fraud liability if your card is ever lost or stolen
  • Select your own monthly payment due date
  • Get Platinum Mastercard® benefits, including auto rental insurance, price protection and 24/7 roadside assistance
  • Use with Apple Pay

Top Features

 Regular APR

26.99% (Variable)

WHAT OUR EDITORS LIKE MOST ABOUT THE CAPITAL ONE PLATINUM SECURED CREDIT CARD

The Capital One Platinum Secured Credit Card has all the basics someone needs to build or rebuild their credit (with responsible use), with the addition of a few perks you don’t normally get with secured credit cards.

Pay a refundable security deposit of $49, $99 or $200 based on your credit history and receive an initial credit line of $200. You can pay more than your required security deposit before your account opens to increase your initial credit line up to a maximum of $1,000.

Financial education and responsible use are important when you’re building or rebuilding your credit. Capital One makes sure cardmembers have access to this information through its Financial Education site. The site features content about budgeting, balancing a checkbook and investing as well as additional resources that connect cardmembers to financial literacy programs (some of which are free). And if you want more tips about how to use credit wisely, follow Capital One's Twitter handle, @YourFutureEdge, to get more financial education.

The Capital One Platinum Secured Credit Card, which reports to all three major credit bureaus, also helps cardmembers learn how to improve and build their credit through responsible use through CreditWise®. The tool, available to people even beyond Capital One cardholders, gives you unlimited access to your credit score and free financial tools to help you better manage your credit. One unique feature of the tracker is a Credit Simulator, which shows you how specific actions can affect your credit score. With these tools, Capital One is doing more than providing a platform for people to rebuild their credit, it's doing the proverbial "teaching a man (or woman) to fish."

The Capital One Platinum Secured Credit Card also has Platinum Mastercard benefits like rental car insurance, 24/7 roadside assistance, price protection that reimburses you the price difference if you pay more for an eligible item, and automatic travel accident insurance when you use your card to purchase a trip.

But one of our favorite features of the Capital One Platinum Secured Credit Card, is the option to select your own due date, making bill management just a little bit easier.

POTENTIAL DRAWBACKS OF THE CAPITAL ONE PLATINUM SECURED CREDIT CARD

The Capital One Platinum Secured Credit Card doesn’t have a points program, so you won’t get any rewards. But since this card is more about utility than perks, use it wisely to build your credit and then graduate to a rewards card when your credit history allows.

The card also has a higher APR than many of its competitors. If you’re concerned about interest charges, a secured card with a lower APR may work just as well for rebuilding your credit (with responsible use, of course).

CAPITAL ONE PLATINUM SECURED CREDIT CARD CARDHOLDER SCORES

CardRatings conducts a capital one platinum mastercard guide to benefits annually to learn what actual cardholders think of their cards. Here are the results:
Current ScoresPast Scores
Overall Score81.781.4
Features Satisfaction8.18.1
Customer Service8.28.2
Website/App Usability8.28.2
Likelihood of Continuing to Use8.68.4
Recommend to a Friend/Colleague8.18.0

HOW THE CAPITAL ONE PLATINUM SECURED CREDIT CARD COMPARES TO OTHER SECURED CREDIT CARDS

Capital One Platinum Secured Credit Card vs. First Progress Platinum Select Mastercard®

First Progress Platinum Select Mastercard® Secured Credit Card

Both cards report to all three major credit bureaus and both cards require a refundable security deposit, but the First Progress Platinum Select Mastercard® Secured Credit Card matches your credit limit to your deposit amount (from $200- $2,000).

Though it has a lower APR than the Capital One Platinum Secured Credit Card, it also has a $39 annual fee.

Plus, you can qualify for this card without a minimum credit score or a credit check. So, you can apply for this card without an inquiry showing up on your credit report, which can be helpful if you're trying to limit inquiries.

The First Progress Platinum Select Mastercard® isn’t chip-enabled, so if you’re traveling abroad, you’ll want to carry another card in your wallet. Because of the additional perks and no annual fee, the Capital One Platinum Secured Credit Card is the better pick.

Capital One Platinum Secured Credit Card vs. Citi® Secured Mastercard®

Citi<sup>®</sup> Secured Mastercard<sup>®</sup>

Neither the Capital One Platinum Secured Credit Card nor the Citi® Secured Mastercard® has an annual fee (Citi is a CardRatings advertiser). Like Capital One, Citi® asks applicants to make a refundable security deposit that will be equal to their credit limit.

In the case of the Citi® Secured Mastercard®, that minimum security deposit is relatively high at $200; however, Citi also offers the possibility of a higher credit limit – up to $5,000.

The Citi card also offers free access to your FICO score so you can follow your score as you build your credit. You can also choose the payment due date that works best for your finances.

Because the features and fees for both cards are similar, choosing the best one between the two is a matter of whether you need to start out with a higher credit limit.

Capital One Platinum Secured Credit Card vs. OpenSky Secured Visa

OpenSky® Secured Visa® Credit Card

The OpenSky® Secured Visa® Credit Card is another secured card option that comes with an annual fee, in this case $35. Pay your security deposit and enjoy a credit limit of $200-$3,000 with the opportunity to raise that limit to $5,000 within the first year with responsible use and payment.

Once again, you're dealing with an annual fee, but if you foresee wanting a higher credit limit soon, this could be a better option for you. You can also open an OpenSky Secured Visa without a credit check or even a checking account, so this could be a great option for individuals starting from the ground up with their credit history.

IS THE CAPITAL ONE PLATINUM SECURED CREDIT CARD A GOOD SECURED CREDIT CARD?

This card might be a good card for anyone who is currently using a prepaid debit card or unsecured credit card because of a credit history in need of rebuilding. The Capital One Platinum Secured Credit Card is also a reasonable option for college students and first-timers who need to establish credit, especially since it doesn't require an annual fee to carry.


Survey Methodology: CardRatings commissioned Op4G in September and October 2020 to conduct surveys among 1,746 cardholders nationwide. CardRatings website analytics from Jan. 1, 2020-Aug. 31, 2020 were used to determine a selection of the most popular cards and additional cards were added to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted.

Capital One Platinum Secured Credit Card Compared to Other Bad credit Cards

top Источник: https://www.cardratings.com/credit-card/capital-one-secured-mastercard

The Teamster Privilege Credit Card Program from Capital One

Credit approval required for all products

Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; 12.9%, 18.9%, or 22.74% variable thereafter, based on your creditworthiness. Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 12 months that your account is open, or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 12 months that your account has been open.

Rate Advantage Purchase and Transfer APR: 0% intro rate for the first 15 months from account opening date; 10.9%, 16.9%, or 20.9% variable thereafter, based on your creditworthiness. Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open, or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 15 months that your account has been open.

Primary Access Purchase APR: 23.24% variable APR. Transfer APR: 23.24% variable. Transfer Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.


Terms applicable to Cash Rewards, Rate Advantage and Primary Access Cards: Cash Advance APR: 23.99% variable. Variable APRs will vary with the market, based on the Prime Rate. Cash Advance Fee: greater of 4% of each cash advance amount or $10.


*$0 Fraud Liability claims are subject to investigation and verification.


1Benefits Limitations: These hardship assistance grants are provided and administered through the AFL-CIO Mutual Benefit Plan (“The Plan”). Grant amounts can range from $500 to $2,700 and vary by grant type. Specific eligibility criteria may vary by grant type. Certain restrictions, limitations, and qualifications apply, including (but not limited to):

  • A Cardmember may only receive a grant if their Teamster Privilege Credit Card Account was in good standing at time the loss event occurred.
  • A Cardmember may only receive three grants of each grant type for each Teamster Privilege Credit Card Account per their lifetime, but no more than one grant of each grant type per year.
  • A Cardmember may only receive one grant of each grant type for any unique loss event, even across multiple accounts.
  • A Cardmember may only apply for loss events that occurred at least 3 months after becoming a Cardmember.

Additional information about these hardship assistance grants and eligibility criteria can be obtained at UnionPlus.org/Assistance or by calling Union Privilege at 202-293-5330. Cardmembers will receive full details when they receive their card. Certain administrative responsibilities for the Plan have been delegated to Union Privilege. Teamster Privilege is the non-profit organization established to create and oversee member benefit programs for working families. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard or Capital One, N.A.

2Certain terms, conditions, and exclusions apply. Contact 1-800-Mastercard (1-800-627-8372) for complete terms and conditions.


All trademarks or trade names are properties of their respective owner.
The Teamster Privilege Credit Cards are issued by Capital One, N.A., pursuant to a license from Mastercard International Incorporated.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
bim 360 login online Mailing address: PO Box 30285, Salt Lake City, UT 84130-0285.


This site provides information about and access to financial services offered by the Capital One family of companies, including Capital One Bank (USA), N.A. and Capital One, N.A.
© Capital One. Capital One is a federally registered service mark. All rights reserved.

Источник: https://www.teamstercardnow.com/
capital one platinum mastercard guide to benefits

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