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: None
• Additional Cardholders: $0
• Grace Period: 25 Days
• Minimum Credit Limit: $500
• Maximum Credit Limit: up to $20,000
• 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: $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: 1 Point
• Additional Points: Earn 2 points per dollar spent at gas stations, major grocery, and drug stores.
• Point Details: Points won't expire for the life of your account and there's no limit to the number of points you can earn.
• 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 those with excellent credit who want a reward card. Earn 2 points per $1 spent at grocery stores, gas stations, and drug stores. Earn 1 point per $1 spent on all other purchases. Earn unlimited points each year; points do not expire. Benefits include travel accident insurance, roadside assistance, and extended warranties for purchases. Last Modified Date: 9/30/2008 12:00:00 AM

Additional Perks

$0 fraud liability for any unauthorized use if your card is lost or stolen.
24-Hour Travel and Emergency Assistance.
Emergency card replacement or cash advance if your card is lost or stolen.
Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping.
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Important Notations

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