Specifics

• Introductory Rate: 0% on Purchases until February 2009
• Applied Towards: Purchases
• APR (Purchases): 16.90% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 22.90% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: $29
• Additional Cardholders: $0
• Grace Period: 25 Days
• Minimum Credit Limit: $300
• Maximum Credit Limit: up to $3,000
• Late Payment Fee: Balance of $0 - $99.99 = $15 fee; balance of $100 - $249.99 = $29 fee; balance of $250 or more = $39 fee
• Over-The-Limit Fee: 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**
• Cash Advance Fee: 3% of amount of the cash advance, but not less than $10.
• Balance Transfer Fee: None

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: None (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: None

Review

Created for students with limited credit history who want a cash reward card. Earn 1% cash back on all purchases. Earn a 25% bonus on all cash earned in the previous year. Earn unlimited cash back each year, and no minimum required to redeem cash. $29 annual fee. Benefits include travel accident insurance, extended warranties for purchases, and roadside assistance. Last Modified Date: 9/29/2008 12:00:00 AM

Additional Perks

Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping.
24/7 customer support and online account service.
$0 Fraud Liability for unauthorized use if your card is lost or stolen.
Additional safety on your purchases, thanks to extended warranty program.
24-hour Roadside Assistance with lock-out service, towing, and flat repair.
$100,000 Worldwide Automatic Travel Accident Insurance.
Collision, Damage, and Loss Insurance on rental cars.
Emergency card replacement or cash advance if your card is lost or stolen.
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Important Notations

This card is for applicants with Limited Credit History. *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.