Specifics

• Introductory Rate: None
• Applied Towards: Purchases
• APR (Purchases)**: 24.90% (V) The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 24.90% (V) 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: $0 intro for first year; $19 after that
• Additional Cardholders: $0
• Grace Period: 25 Days
• Minimum Credit Limit: N/A
• Maximum Credit Limit: N/A
• Late Payment Fee: Up to $35
• 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

This card is created for those who have average credit(your credit limit on a current credit card, if any, is less than $5,000 and you have been late on a loan or medical payment in the last six months). The rate is a little high, but there are no balance transfer fees. The $19 annual fee is waived the first year. Benefits include roadside assistance, extended warranties for purchases, and travel accident insurance. Last Modified Date: 8/30/2010 7:21:00 PM

Additional Perks

$0 Fraud Liability for unauthorized use if your card is lost or stolen.
Additional safety with your purchases, thanks to an extended warranty program.
24/7 customer support and online account service.
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Important Notations

This card is for applicants with Average Credit. *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.

**See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.