Specifics

• Introductory Rate: 0% on Purchases until May 2009
• Applied Towards: Purchases
• APR (Purchases): 19.80% 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: $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: n/app (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: n/app

Review

Created for those with limited credit history. No rewards with this card and the rate is higher than some other student cards. Benefits include extended warranties for purchases. Last Modified Date: 10/29/2008 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.
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.
Customize your card designs.
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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.