Specifics

• Introductory Rate: 0% on Purchases Until October 2009
• Applied Towards: Purchases
• APR (Purchases): 9.90% 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: $39
• Additional Cardholders: $0
• Grace Period: 25 Days
• Minimum Credit Limit: $500
• Maximum Credit Limit: up to $30,000
• 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: None
• 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 professionals with excellent credit who want to earn airlines miles, cash, or gift card rewards. One of the most generous reward offers: 2 miles per $1 spent on all purchases. Earn unlimited miles each year; miles do not expire. Use miles on any airline, anytime. There are no seat restrictions or blackout dates. Miles may also be redeemed for cash, merchandise, or gift cards. Benefits include purchase insurance and emergency roadside assistance. No fee for balance transfers. Last Modified Date: 10/30/2008 12:00:00 AM

Additional Perks

Manage your finances with a year-end summary of purchases.
Purchase Assurance - fraudulent purchases made on your lost or stolen card will be refunded in 90 days 24-Hour Travel and Emergency Assistance.
MasterCard Global Services® - international 24/7 card assistance.
Travel Assistance Services offering free roadside emergency services and a host of other benefits.
24-Hour Customer Service-available whenever you need assistance.
Concierge Services-from flowers to flights, have someone else do it for you.
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Important Notations

This card is for applicants with Excellent Credit. *See Capital One® important disclosures for more information.