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

This card is created for those who have had past credit problems, but are rebuilding their credit. The rate is reasonable and there are no balance transfer fees. There is a $19 annual fee. Benefits include roadside assistance, extended warranties for purchases, and travel accident insurance. Last Modified Date: 10/29/2008 12:00:00 AM

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.