Capital One credit cards

American bank Capital One, is one of the UK’s largest credit card issuers, offering a range of cards to suit different types of customers. Having pulled out of the savings market a few years ago, credit cards are all the bank now offers here in Britain but it has a wide range of cards to suit different types of customer.

Captial One Aspire World Credit Card

5% cashback for 1st 3 months up to £100
No annual fee
Must have excellent credit history

Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% (variable) your Representative APR will be 19.9% (variable).

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Cards listed by representative APR (variable) rate

	Product Name	Balance Transfer	Purchases	Rewards	Representative APR (Variable)	Product Reviews
www.capitalone.co.uk	Capital One Business Card	16.94% - 0% fee	16.94% -	Cashback	16.9% APR	Read review
	For small business owners/self employed 5% cashback for 1st 3 months up to £100 Add additional cardholders for free No 0% promotional periods There is no introductory balance transfer offer on this product and any transfers will incur 16.94% interest rate. There is no introductory purchases offer on this product and any purchases will incur 16.94% interest rate. The most cashback you can claim during the introductory period is £100, so if you spend £2,000 on the card in the first three months, you will have reached the maximum. After this, if you spend £5,999.99 or less, you will earn 0.5% cashback, rising to 1% if you spend between £6,000 and £9,999.99. Anyone spending over £10,000 will earn 1.25% on anything they spend above that threshold. These rates are applicable until you reach the anniversary of your account opening when you will begin earning cash back at 0.5% until you pass each purchase threshold again. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum monthly payment is: - the full outstanding balance if it is less than £5, but otherwise the greater of: • An amount equal to the total of (i) 1% of the outstanding balance on your account; (ii) interest applied to your account in that month; (iii) all default sums incurred in that month; and (iv) one twelfth of your annual fee, or • £5. Review to follow.
	Representative Example: If you spend £1,200 at a purchase interest rate of 16.94% (variable) your Representative APR will be 16.9% (variable).
www.capitalone.co.uk	Capital One Aspire Elite	17.69% - 0% fee	17.69% -	Cashback	19.9% APR	Read review
	5% cashback for 1st 3 months up to £200 Up to 2% long term cashback Concierge service available There is a £120 annual fee There is no introductory balance transfer offer on this product and any transfers will incur 17.69% interest rate. There is no introductory purchases offer on this product and any purchases will incur 17.69% interest rate. You will earn 5% cashback on everything you buy for the first 99 days after you open your account. The most cashback you can earn during the introductory period is £200. For purchases made after the introductory period you will receive the following cashback: 1% cashback on all subsequent purchases up to the next £15,000. 2% cashback on all purchases from £15,000 up to £50,000. 1.35% cashback on all purchases from £50,000. These rates are applicable until you reach the anniversary of your account opening when you will begin earning cashback at 1% until you pass each purchase threshold again. Also with this card you have access to the Aspire Elite concierge service, refer to provider for full details. Receive up to 45 days interest free on new purchases if you pay your statement in full and on time every month. The minimum monthly payment is: - the full outstanding balance if it is less than £5, but otherwise the greater of: • An amount equal to the total of (i) 1% of the outstanding balance on your account; (ii) interest applied to your account in that month; (iii) all default sums incurred in that month; and (iv) one twelfth of your annual fee, or • £5 Review to follow.
	Representative Example: If you spend £12,000 at a purchase interest rate of 17.69% (variable) with a £120 annual Fee your Representative APR will be 19.9% (variable).
www.capitalone.co.uk	Capital One Aspire World	19.94% - 0% fee	19.94% -	Cashback	19.9% APR	Read review
	5% cashback for 1st 3 months up to £100 No annual fee Must have excellent credit history There is no introductory balance transfer offer on this product and any transfers will incur 19.94% interest rate. There is no introductory purchases offer on this product and any purchases will incur 19.94% interest rate. The most cashback you can claim during the introductory period is £100, so if you spend £2,000 on the card in the first three months, you will have reached the maximum. After this, if you spend £5,999.99 or less, you will earn 0.5% cashback, rising to 1% if you spend between £6,000 and £9,999. Anyone spending over £10,000 will earn 1.25% on anything they spend above that threshold. These rates are applicable until you reach the anniversary of your account opening when you will begin earning cash back at 0.5% until you pass each purchase threshold again. Receive up to 45 days interest free on new purchases if you pay your statement in full and on time every month. The minimum monthly payment is: - the full outstanding balance if it is less than £5, but otherwise the greater of: • An amount equal to the total of (i) 1% of the outstanding balance on your account; (ii) interest applied to your account in that month; (iii) all default sums incurred in that month; and (iv) one twelfth of your annual fee, or • £5 This card is a great choice if you're looking for cashback, as it pays an impressive 5% for the first three months. There is no annual fee with this card. The most cashback you can claim during the introductory period is £100, so if you spend £2,000 on the card in the first three months, you will have reached the maximum. After this, if you spend £5,999.99 or less, you will earn 0.5% cashback, rising to 1% if you spend between £6,000 and £9,999. Anyone spending over £10,000 will earn 1.25% on anything they spend above that threshold. These rates are applicable until you reach the anniversary of your account opening when you will begin earning cash back at 0.5% until you pass each purchase threshold again. Be careful, however, as the card has a steep representative APR of 19.9%. This means that if you aren't in a position to clear your debts, then the interest charges could wipe out the benefit of the cashback. In order to qualify for this card you must be a UK resident with a good credit record, a bank account registered to your home address and no previous credit defaults. You must not already have a Capital One credit card and must not have applied for one in the last 6 months.
	Representative Example: If you spend £1,200 at a purchase interest rate of 19.94% (variable) your Representative APR will be 19.9% (variable).
www.capitalone.co.uk	Capital One Classic	34.94% - 3% fee	34.94% -	No rewards	34.9% APR	Read review
	Great for rebuilding your credit 60 second response Manageable limit from £200 to £1,500 High standard APR There is no introductory balance transfer offer on this product and any transfers will incur 34.94% interest rate. There is no introductory purchases offer on this product and any purchases will incur 34.94% interest rate. There are no rewards with this card. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum monthly payment is: - the full outstanding balance if it is less than £5, but otherwise the greater of: - an amount equal to the total of (i) 1% of the outstanding balance on your account; (ii) interest applied to your account in that month; (iii) all default sums incurred in that month; and (iv) one twelfth of your annual fee, or - £5. This card has a hefty 34.9% APR, but is designed for people who want to build or rebuild their credit rating. The same rate applies to purchases, balance transfers and cash withdrawals, so you should try to clear any debts as quickly as possible and avoid using the card to get money out of ATMs. Even those who have had County Court Judgements against them in the past, or who have defaulted on previous credit arrangements will be considered for the card, provided you can demonstrate some history of managing your credit. The card has a minimum permitted credit limit of £200, while the maximum amount you can borrow is £1,500. You are unlikely to be accepted if you haven't previously had any credit in the UK, or if you have been declared bankrupt in the last 12 months. You can choose your own card design and register for e-mail alerts to help you stay in control and make payments on time.
	Representative Example: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your Representative APR will be 34.9% (variable).

Capital One Credit Card Guide
Glossary of terms

Capital One credit cards

American bank Capital One, is one of the UK’s largest credit card issuers, offering a range of cards to suit different types of customers.

Having pulled out of the savings market a few years ago, credit cards are all the bank now offers here in Britain but it has a wide range of cards to suit different types of customer.

All Capital One credit cards come with a free Equifax credit report, online account management and identity theft protection.

In order to be considered for a Capital One Credit Card you must be a UK resident, aged 18 or over and have a UK bank account.

Capital One offers a range of different credit cards and the product most suitable for you will depend on your credit history and how you plan to use your credit card.

Many of the leading credit card providers focus on customers with strong, proven credit histories. This can make it difficult for those who have never had a credit card before, or who have a less-than-perfect credit history to get accepted for a card. However, in Capital One’s product range is a card that helps to build or rebuild credit history, and the option of receiving text alerts from them when a balance is due to be paid as a reminder.

Capital One also caters for its customers who already have a good credit history, for those who fit into the very good to excellent category Capital One offers cards that have a low standard annual percentage rate (APR) and interest-free periods. It also has a cashback card which is ideal for those who clear their balance in full each month.

Glossary of terms

APR

This stands for Annual Percentage Rate. Any firm that lends money is required by law to quote the APR. Introductory rates do not include arrangement fees you may be charged and also don’t reflect any higher rate of interest that your borrowings will ultimately revert to. The APR takes into account the interest on a loan plus and additional charges making it easier for you to compare products. In general, the lower the APR the better the deal.

Balance Transfer

Balance transfer rates are applied to existing card debt that is being moved from one issuer to another or a consolidation of other debts. These rates tend to be lower than standard rates and apply to the debt transferred or consolidated for a specified term or until it is repaid in full.

Credit Card

Credit cards are a form of borrowing used to purchase goods and services, to obtain cash advances and for consolidating debt.

Direct Debit

This allows an organisation to take money directly from a persons bank account

Minimum payment

The amount you must pay each month to keep your account in order

Interest-free period

The time between when you buy something on the card and the date when you must pay your monthly bill. This can be 50 days or more and is interest-free. So if you settle your bill in full every month, it's free borrowing.

Promotional Rate

A rate that is applied to your account until a given expiry date. Thereafter it will revert to the rate applicable to your account at that time.

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Captial One Aspire World Credit Card

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Capital One credit cards

Glossary of terms

APR

Balance Transfer

Credit Card

Direct Debit

Minimum payment

Interest-free period

Promotional Rate

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