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Capital One Plus Credit Card Review

Get a low 14.9% APR (typical) with the Capital One Plus Card.

Capital One Plus Credit Card

The Capital One Plus Credit Card is for those with a good credit rating. You'll need a long history of successfully managing your credit,be over 18 years of age and also be on the electoral roll.You are unlikely to qualify if you've had County Court Judgements (CCJs) in the past, or if you have no credit history.If you do not qualify for this credit card, then consider the Capital One Classic Credit Card.


Card Summary

Introductory
Balance Transfer RateN/A
Balance Transfer PeriodN/A
Balance Transfer FeeN/A
Transfers Must Be Made WithinN/A
Transfers to Current AccountN/A
New Purchase Rate0% p.a.
New Purchase Period1-Aug-2010
Standard
Representative Example APR (variable)14.9% p.a.
Cash Advance Rate34.94% p.a.
Credit LimitMax £5000
Monthly Rate1.53%
Interest Free Period on Purchases56 days (maximum)
Cash Advance Fee3% (min ?3.00)
Minimum Age18 years
Minimum PaymentSEE BELOW
Annual FeeNone
Foreign Exchange Fee2.75%
Benefits
CashbackN/A
Loyalty Point SchemeN/A
Purchase ProtectionYES
Travel BenefitsN/A
Other BenefitsN/A
Credit Card Issuer Information
Credit Card IssuerCapital One
Trent House
Station Street
Nottingham
NG2 3HX
Merchant NetworkMasterCard

The 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

Benefits include (some conditions may apply)

  • An online response within 60 seconds, when applying
  • Identity Theft Protection
  • Online account management with paperless statements
  • Purchase protection insurance
  • Free Equifax credit reports