capital credit cards Capital One is a credit card leader with more than 30 million customers worldwide. Even if you've had trouble getting credit in the past, you could still benefit from its great interest rates, huge credit limits of up to £25,000 and balance transfer options. The Capital One credit card also gives you immediate discounts with Interflora, World Wines Direct, Thorntons and many more.   Capital One® No Hassle MilesSM Visa Signature®          Capital One No Hassle CashSM      Capital One Platinum: Prestige         Capital One Platinum:   Enhanced flexibility        Capital One Platinum:   New To Credit      What Features has Capital Credit Cards? Flexible rewards: travel, cash back, gift certificates and more Cash back on gas, groceries, and other purchases A great low rate on purchases and balance transfers Access to credit for everyday necessities and conveniences Credit that evolves with me as my needs change APR 9.9% Variable 9.9% Variable 0% until July 2006, 7.9% thereafter 14.9% Variable 19.8% Variable Annual Fee No annual fee No annual fee No annual fee $59 $19 Features Fly any airline, anytime – no blackout dates or seat restrictions Earn up to 20,000 bonus miles – 10,000 after your first year and 10,000 after your second year as a cardholder No pre-set spending limit     Earn up to 3% cash back on your gas and grocery purchases Earn 1% cash back on other purchases No balance transfer fees     No balance transfer fees Platinum MasterCard® benefits     Theft and damage protection Zero liability for lost or stolen card Extended warranty on purchases     MasterRental® Insurance Coverage Master RoadAssist® Roadside Services Emergency cash and card replacement Are You A Business Owner? Capital One Visa® Business Platinum Card For business owners who need more than a traditional credit card  No annual fee  0% introductory APR  Flexible credit, generous rewards, easy expense tracking     General opinons of capital credit cards: In the years I spent at Uni I got myself in serious debt, and had many CCJ's and many visits from bailiffs etc. So my credit just didn't exist, even the high street banks wouldn't give me a current account, but capital one classic accepted me and even though there rates are on the high side they where very handy in repairing my credit, after only 7 months I was being offered credit cards from most other companies and was accepted by the ones that I decided to change to, this card is great for rebuilding your credit status. I only use mine now in emergencies, this card has helped me so much the high rate pays for the amount of help it's given me. --------- Good Points My first credit card was a capital one classic. They gave me the chance when many others would not. Bad Points Higher interest rate but a good first card. General Comments The Capital One Classic Credit Card card was a great way to build up credit. It had a higher interest rate but also had a grace period. Capital one was great the entire time I had this card and I eventually moved up to a platinum card. ------------------------- Good Points Gave me the chance when no one else would. Bad Points Awful customer service; deceptive charges. General Comments Customer service is awful - 90% of reps don't seem to speak clear English; I got charged a $25 over my limit fee due to being $.02 over my limit, which was caused by the interest being added on to my balance which would have been offset had they taken off the charge that I was disputing when they were supposed to. I contacted them and went up the chain of command, threatening to close the account because of this $25 charge, and they all waved goodbye - absolute horrible experience - wouldn't recommend unless it's your last resort.     capital credit cards