No matter where your credit stands, Capital One has a
credit card just for you. Want cash back but have less than
perfect credit? You can get a cash rewards card from
Capital One. Want to be awarded for your history of on-time
payments? Capital One offers extra incentives for those
with excellent credit. From customized cards to "no hassle"
rewards, you're bound to find a Capital One credit card
that fits both your credit score and style.
A Card for your Credit
Capital One offers cards for all types of credit, including
excellent, above average, and those that need improvement.
If you have above average credit and want to receive cash
back, consider Capital One's No Hassle Cash Rewards Card.
With this credit card, you'll receive 1% cash back on all
of your purchases. It has no annual fee, and you'll enjoy a
0% interest rate on all you buy until June 2008.
If your credit needs improving, you may still be eligible
for a similar credit card. The Capital One No Hassle Cash
Rewards card offers the same program. You'll get 1% cash
back on purchases. Because it is geared for below average
credit, it has an annual fee of $29. This card has a 0%
interest rate on purchases until March 2008.
Many Capital One credit cards operate in a similar fashion.
You can choose the benefits you want, whether that be cash
back, miles, or a low interest rate. Then match those
benefits to your credit rating. You'll come away with a
credit card designed specifically for your needs.
Understanding your Credit Score
Since many of Capital One's cards cater to different levels
of credit, it is important to understand how that credit
score is determined. The most important factor is your
payment history, which contributes to 35% of your total
score. Paying at least the minimum due on your credit card
over a period of time will significantly boost your credit
rating. Your length of credit history and the types of
loans you have are also taken into consideration.
The "No Hassle" Perks
Many credit card issuers offer rewards programs and Capital
One is no exception. However, Capital One works to
streamline the process, making it easier for customers to
calculate their rewards. For example, some credit card
companies offer a layered cash back program. Customers may
earn less than 1% for the first $1500 they spend, and then
a higher percentage for the next $1500, and then a
different rate after that. Sound confusing? It can be. To
simplify the process, Capital One offers a straight
percentage rate for cash back and rewards. This lets you
know what you're earning for each dollar spent, no strings
attached.
If you want a credit card that issues miles as rewards,
you'll find a similar "no hassle" feature. Capital One
offers 1.25 miles for every dollar you spend. So as you
swipe your card, you can immediately calculate how many
miles you just earned. That is a simple process compared to
many other travel reward programs.
Capital One offers card options that fit your credit needs.
Its hassle-free features help you calculate your cash back
and travel miles. A Capital One credit card may be your
ticket to headache-free rewards.
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To View Capital One Credit Card Offers click the following
link:
http://www.credit-card-surplus.com/capital-one-credit-cards.
php . Ed Vegliante runs http://www.credit-card-surplus.com
, a directory helping consumers to compare and apply for
credit cards.
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