Features of LSU Tigers MasterCard

This partnered credit card is offered in two types depending on the creditworthiness of the applicant. There is LSU Tigers MasterCard for customers with an average credit and one for clients with an excellent credit. Both credit cards do not require an annual membership fee and any transfer or foreign transaction fees.  The LSU Tigers MasterCard for clients with an excellent credit has a promotional 0% annual percentage rate for the first year after opening of the account. Afterwards, the rate will be decided depending on the creditworthiness of the particular cardholder and can vary between 13.90% and 19.90%. These rates apply for purchases and balance transfers. For cash advances, the annual percentage rate is fixed at 24.90% for both credit cards. For clients with an average credit the LSU Tigers MasterCard is offered with 24.90% of annual rate on balance transfers and purchases. Penalty annual percentage will be imposed to both cards in cases of a payment, which is past due more than 60 days. In such cases, the annual percentage rate for all balances will be increased to 29.40%. The cardholder must make six payments on time for the next billing cycles after the increase in order for the bank to lower the rates back to the regular.

The only transaction fee, which Capital One imposes is the cash advances fee. It is minimum $10, or 3% of the sum. Penalty fees are charged when the cardholder violates the cardholder agreement. Such violations include missing the due date for the month or submitting a payment, which cannot be honored. In these cases, the fee is up to $35. There might be a fee for exceeding the credit line. If this is the case, the fee will be up to $29.

Benefits of LSU Tigers MasterCard

These credit cards are involved in a reward points winning program powered by Capital One and LSU Tigers. The cards accumulate 2 points for every $1 spent on gas or groceries and 1 point per dollar for all other net purchases. Balance transfers, cash advances and foreign transactions are not eligible to win points. There is no limitation for the amount of points which can be collected. As long as the account remains active and not default the earned points will be available for redemption and will not expire.

Cardholders can redeem their points for merchandise offered by LSU Tigers. Additionally, card members can choose to exchange their points for cash checks or even gift cards. Capital One offers to their customers the option to use their earned points to donate to a charity of their choice.

Since this is a MasterCard credit card it benefits from all the advantages offered by MasterCard International.

Features of the Sony Card from Capital One

This is another partnered credit card powered by Capital One. Applicants are not required to pay an annual membership fee for this card. The bank also provides a promotional 0% annual percentage rate for purchases and balance transfers for the first 10 months after opening of the account. After that, the regular annual percentage rate will be decided on the basis of the cardholder’s creditworthiness and can be between 13.90% and 24.90% for purchases and balance transfers. There is an annual percentage rate for cash advances of 24.90%. The percentage rates are calculated using the prime rate. The prime rate is the highest loan rate published in the money section of The Wall Street Journal. The changes in the prime rate will affect the annual percentage rates; however, the bank is obliged to inform the cardholders before any change is present. For cases of late payment, which is prolonged more than 60 days, a penalty annual percentage rate will be applied. It is 29.40% and will be in effect unless the cardholder makes six consecutive payments on time for the billing cycles following the increase in the annual percentage rate.

The Sony credit card has a transaction fee for cash advances only. It is different from the fees, which ATMs and other may charge, and is the greater of $10 or 3% of the amount. If the cardholder does not submit at least the minimum payment each month until the due date, a penalty fee of up to $35 will be charged. The same amount can be charged for submitting a payment instrument such as check or money order, which the bank cannot process. This fee is called returned payment fee. Capital One does not impose over-the-credit-limit fee.

Benefits of the Sony Card From Capital One

Features of the Platinum Prestige Credit Card

This credit card requires customers with the highest creditworthiness. There is no annual membership imposed. The annual percentage rate for purchases and balance transfers for the first 15 months is 0%. However, for this period the balance transfers will be charged with a transaction fee of 3% of the amount of the transaction. The regular annual percentage rate depends on the cardholder’s credit records and can be 10.90%, 14.90%, 18.90% for purchases and transfers. For cash advances, the rate is 24.90%. These rates are a subject of change because they are based on the prime rate, which changes with the changing of the financial markets. A penalty annual percentage rate of 29.40% applies when the cardholder is late with a payment. If the delay is more than 60 days, the penalty annual percentage rate will be applicable indefinitely. For the annual percentage rate to go back to the regular percentage, the cardholder has to pay on time six consecutive minimum payments for the billing cycles following the increase. The cardholder must note that the interest charge on purchases can be avoided if he/she pays off the previous balance in full by the due date. The interest charge for cash advances, however, will be accrued from the day of the transaction.

A fee will be applied for cash advances for each transaction. It is either $10 or 3% of the amount of the transaction, whichever is greater. Three types of penalty fees are applicable on the Platinum Prestige credit card. The first one is in effect if the card member fails to submit at least the total minimum payment by the due date each month. It can be up to $35. The same amount will be charged if the cardholder has a returned payment instrument, which the bank has refused to honor. For exceeding the credit limit defined by Capital One the cardholder may be charged with a fee up to $29.

Benefits of the Platinum Prestige Credit Card

Features of the Venture One Rewards Credit Card

Customers need to have an excellent credit, which means that they should have had late payments on loans and other credit cards or been default in the last 5 years. The credit card does not have an annual membership fee and the bank offers a promotional 0% annual percentage rate for the first year of the account. The regular annual percentage rate is based on the creditworthiness of the cardholder and can be 11.90%, 15.90%, or 19.90% for purchases and balance transfers. The percentage rate for cash advances is for all cardholders 24.90%. These rates will vary because they include the prime rate in them. The Wall Street Journal publishes the highest loan rate in their money section. This index is added to a fixed percentage and thus the annual percentage rate is calculated. However, if the cardholder makes a late payment and misses the due date, a 29.40% penalty rate will be imposed on all balances of the account. The annual percentage rate will be in force unless the card member submits on time at least the total minimum payment the next six billing periods after the increase.

Transactions with this card are free of charge except for the cash advances. For cash advances, the transaction fee will be the larger of $10 or 3% of the sum. Penalty fees are applied when the cardholder makes a late payment of submits a payment instrument, which is returned. These penalty fees depend on the number of violations and can be up to $35. The Venture One Rewards credit card does not have a penalty fee for exceeding the credit line.

There is a grace period of 25 days on this credit card. This means that the cardholder has 25 days to pay off his/her outstanding balance on purchases so that the new purchases will not accrue interest charge.

Benefits of the Venture One Rewards Credit Card

The Venture One Rewards credit card is a Visa card with participation in the reward points earning program of Capital One. Every net purchase, made through the credit card, accumulate 1.25 reward miles on the account. Balance transfers and cash advances of any kind are not included in the rewards program. The earned reward miles can be used to pay for travel expenses and airfare in every airline in the US. The miles are not a subject of expiry and will be available for redemption until the account is not default. The cardholder can also exchange the reward miles for merchandise and gift cards or just receive cash checks in the amount of the miles.

Features of the Orbitz Visa Credit Card

This Visa credit card provides a promotional 0% annual percentage rate for the first year after opening of the account. The card does not require any membership fee. After the promotional period, the annual percentage rate will be determined according to the cardholder’s creditworthiness. For purchases, the annual percentage rate will be 13.90%, 16.90%, or 19.90%. The annual percentage rate for transfers is the same. For cash advances, the annual percentage rate is 24.90%. All of the percentage rates are based on the highest loan rate, which The Wall Street Journal publishes in the money section. To this index, the bank then adds a fixed margin to get the annual percentage rate. The prime rate is a subject of change and the annual percentage rates will be adjusted according the prime rate but not before notifying the cardholder. If the card member delays his/her payment and misses the due date, a penalty APR will be applicable. It is 29.40% for all outstanding balances and it will remain effective, unless the cardholder submits at least the total minimum payment on time for six consecutive months after the increase.

The only transaction fee applied on the Orbitz Visa credit card is on cash advances. It is the greater of $10 and 3% of the amount. The card is free of transfer fees and foreign transaction fees.  The penalty fees, which are owed in cases of violations of the cardholder agreement, are for late payment and returned payment. There is no penalty fee for exceeding the credit line. The penalty fee can be up to $35.

Benefits of the Orbitz Visa Credit Card

Features of the Venture Rewards Credit Card

This rewards Visa credit card is offered to customers with the highest creditworthiness. The annual membership fee is $59, which is waived for the first year after opening of the account. The interest charge is calculated using the annual percentage rate, which for the Venture Rewards credit card is dependable on the credit records of the applicant and can be between 11.90%, 15.90% and 19.90% for purchases and balance transfers.  All Capital One credit cards have the same annual percentage rate for cash advances 24.90%. All annual percentage rates are worked out using the prime rate. The prime rate is the highest loan rate, which The Wall Street Journal publishes. The bank adds a margin; this is a fixed percentage, to the prime rate to calculate the annual percentage rate. For that, the annual percentage rate is a subject of change, if the prime rate increases/decreases. If there is a case of a late payment and the payment is late, more than 60 days a penalty annual percentage rate of 29.40% will be applied indefinitely. To decrease the annual percentage rate back to the regular percentage, the cardholder has to make six consecutive total minimum payments on time for the billing cycles following the increase.

The only transaction fee imposed on the Venture Rewards credit card is the transaction fee for cash advances of any type. In case of cash advances, the bank will impose a minimum fee of $10. The usual fee for cash advances is 3% of the sum in question.

Two types of penalty fees are applicable on this credit card. A fee of up to $35 will be owed when the cardholder is late with a payment. The payment should be submitted until the due date for each billing cycle. If the card members submit a payment instrument, such as check or money order, which is not honored by the bank, it has to be returned unpaid, then the card members will be charged with a returned payment fee of up to $35.

Benefits of the Venture Rewards Credit Card

The reward program of Venture Rewards credit card allows cardholders to collect reward miles with every purchase. The reward miles can only be earned from purchases and not cash advances or transfers.  For every dollar expended on purchases two reward miles are collected. Capital One does not impose limitation on the number of miles one account can earn. Moreover, the reward miles once accumulated will not expire until the account is active and not default. If the account is terminated or closed by choice, all reward miles, which have not been redeemed, will be lost.

Features of the Cash Rewards Credit Card

This is one of the credit cards powered by Capital One and offered to customers with excellent credit. There is no membership fee applied on this credit card. The percentage rates, which are used to calculate the interest charges imposed on the Cash Rewards Credit card, are based on a fixed percentage and the highest loan index, called prime rate. The Wall Street Journal publishes the prime rate on its money section. For purchases, the annual percentage rate calculated by the bank is 12.90%, 16.90% or 20.90%, dependable on the cardholder’s creditworthiness. For the first months after opening of the account, the cardholder can benefit from a promotional 0% annual percentage rate until August 2012. These percentage rates apply to balance transfers as well. The card member will also receive a promotional 0% APR for transfers. Cash advances have an annual percentage rate of 24.90% for all types of credit holders. As all percentage rates, this is also dependable on the prime rate, which means that changes in the prime index will result in changes of all the annual percentage rates. The bank will apply a penalty annual percentage rate is the cardholder fails to submit at least the total minimum payment by the due date of the billing cycle. This penalty rate is 29.40% and will be in effect indefinitely unless six consecutive payments are submitted on time in the months following the increase of the annual percentage rates. Although balance transfers are free from annual percentage rate until August 2012, cardholders will owe a transaction fee of 3% of the amount of the transfer for this period. Another transaction fee is the fee for cash advances. Capital One imposes at least $10 fee to cash advances smaller than $10 and 3% of the sum for advances greater than that.

There is no over-the-credit-limit fee for the Cash Rewards credit card and the only two penalty fees imposed on it are the for late payment and returned payment. Returned payment fee is owed when the cardholder submits a check or order or any other kind of financial instrument to pay his/her payment, which the bank will not honor. In this case and in the case of a late payment, the card members owe up to $35.

Benefits of the Cash Rewards Credit Card

This is another customer credit card offered with a participation in the cash back rewards program powered by Capital One. After opening of the account, the cardholder receives 100 dollars back given that he/she spends $500 with the credit card for the first 3 months. The cash back program works in the following way: the cardholder uses his/her credit card to make purchases, for each dollar spent on net purchases the card accumulates 1% cash back or $0.01. For example, if the cardholder spends $5000 on net purchases there will be $50 back accumulated in his/her account. Capital One adds a bonus for loyal clients as well. Each year in which the account remains active and not default the cardholder will receive additional 50% cash back on all net purchases.

Features of the MTV Visa Credit Card

The MTV Visa credit card is offered by Capital One for customers with average credit. It does not require annual membership fee and has no transaction fees for transfers and transaction in foreign currency. Annual percentage rate of 24.90% for purchases, transfers and cash advances is imposed on this credit card.  This is a rate calculated using the prime rate, which is the highest loan rate. It can be found in the money section of The Wall Street Journal. The annual percentage rate is the sum of the prime rate and a fixed percentage called margin or spread which the bank chooses. This means that if the prime rate changes the annual percentage rate will be adjusted accordingly. Capital One has the responsibility to inform cardholders before any corrections are made. There is a penalty annual percentage rate, which is 4.5% higher than the normal one. It is imposed whenever the cardholder makes a late payment or misses the due date of the billing cycle. The cardholder needs then to make six consecutive payments on time for the billing cycles following the increase of his/her annual percentage rate.

The only transaction fee owed for the MTV Visa credit card is a transaction fee for cash advances. It is the greater of $10 or 3% of the amount. Additionally, penalty fees will be applied if the cardholder breaches the cardholder agreement. Such breaches include a late payment, exceeding the credit line, or submitting a payment instrument, which has not been processed. Usually, for a single violation of the cardholder agreement, the card member pays a smaller amount of penalty fee, but if another violation occurs, the maximum fee will be imposed. For late payments, the fee can be up to $35. The same amount of maximum fee will be charged in case of returned payments. The over-the-credit-limit fee can be up to $29.

Benefits of the MTV Visa Credit Card

The MTV Visa credit card is a part of a reward points earning program powered by Capital One. All owners of MTV Visa will receive five reward points for each dollar spent on net purchases of entertainment such as concert tickets, music stores, and so on. The cardholder also receives two reward points per $2 every time he/she uses the card in dining establishments. All other net purchases will accumulate one point per one dollar spent. Additionally, the bank offers 25 bonus points every month provided that the cardholder’s account is not default and he/she has submitted at least the total minimum payment on time. The reward points will not expire until the account is active. The points are accumulated by purchases only and the bank does not impose any limit to them. If the account goes default or is closed all point which have not been redeemed will be lost.

Features of the Classic Platinum Credit Card

This customer credit card requires a membership fee of $39 annually. Capital One offers promotional 0% annual percentage rate on purchases until April 2012. Afterwards, the annual percentage rate will on basis of the creditworthiness of the applicant. The annual percentage rate for purchases and transfers will be 17.90%, 19.90% or 22.90%. The highest loan rate or the prime rate is a variable, which is included in the calculation of the annual percentage rates. It can be found in the money section of The Wall Street Journal. Capital One uses a margin, called a spread to add to the prime rate in order to calculate the annual percentage rates. If the prime rate changes, the bank will inform the cardholders before any corrections on the annual percentage rates are made. Interest charge on cash advance balances is calculated using the annual percentage rate of 24.90%. If the cardholder does not submit his/her payment on time or by the due date each month, a penalty annual percentage rate of 29.40% will be enforced. It will be applicable to all balances of the account and will be in effect unless the cardholder makes six consecutive payments on time right after the billing cycle when the late payment occurred.

No transaction fees on foreign transactions and balance transfers are imposed on the Classic Platinum credit card. The cardholder, however, have to pay a transaction fee of at least $10 or 3% of the amount every time he/she makes a cash advance of any kind. Along with the transaction fee, there are penalty fees imposed in cases of breaches of the cardholder agreement. A late payment is considered such a breach. For a late payment, the penalty fee is up to $35. The same is the penalty fee for returned payment. Returned payment fee is owed if the card member tries to make a payment with a payment instrument, which is not honored by the bank. There is an over-the-credit-limit penalty fee as well. Cardholders should be careful since the bank may authorize a transaction or a purchase, which will lead to an excess of the credit line and still impose a fee of up to $29.

Benefits of the Classic Platinum Credit Card

Features of the Cash Rewards Credit Card

The Cash Rewards credit card is a MasterCard card offered by Capital One to customers with average credit. The membership fee for this credit card is $39 annually. Every new card member gets a waived annual percentage rate until April 2012, which means that the annual percentage rate for purchases for this period will be 0%.  After the promotional period, the annual percentage rate will be assigned based on the cardholder’s creditworthiness. It can be 17.90%, 19.90% or 22.90% for purchases and balance transfers. Annual percentage rate is imposed on cash advances as well. For any types of cash advances, the percentage rate is 24.90%. These are not fixed percentage rates since they are based on the prime rate, or the highest loan rate, found in the money section of The Wall Street Journal. If the prime rate changes the annual percentage rate will be corrected accordingly. Capital One imposes a penalty annual percentage rate for all balances in cases of a late payment. This penalty rate is 29.40% and will be enforced unless the cardholder makes six consecutive payments on time, following the billing cycle when the late payment occurred. The Cash Rewards credit card has no transaction fees on transfers and foreign transactions. There is, however, a transaction fee for cash advances in the amount of $10 or 3%, whichever is greater.

Penalty fees are also applied when the card members breach the cardholder agreement. There are three types of such fees. The first one is the late payment fee, which is imposed when the cardholder does not pay at least the total minimum payment by the due date every month. It is up to $35. The same amount will be the penalty fee owed when the cardholder submits a payment instrument such as a check or order, which the bank cannot process or will not honor. This is called a returned payment fee.  The third penalty fee is the over-the-credit-limit fee. This is a straightforward fee, applicable when the cardholder exceeds his/her credit line. The over-the-credit-limit fee will be up to $29.

Benefits of the Cash Rewards Credit Card

This is another card participating in the No Hassle Cash Rewards program powered by Capital One. The Cash Rewards MasterCard receives 2% cash back on purchases in the major gas stations and groceries chains in the US. This means that for every one dollar spent on such purchases the card accumulates $0.02 back. For all other purchases made through this credit card, the cardholder receives 1% cash back. This program is valid only for purchases; transfers and cash advances are excluded. There is no limitation imposed on the number of cash one account can collect. In addition, once the cash is collected it will not expire and will remain available for redeeming until the account is active and not default.