If you're in the market for a new credit card, you may have seen some Capital One options. Capital One has been in the credit card business for more than 20 years. Today it has some of the strongest rewards programs available on the market. Read on for a brief history of Capital One, as well as what you can expect when you apply for a new card.
History of Capital One
Richard Fairbank founded Capital One in 1988. Since its beginning, the company has specialized in financial products and services. Its efforts helped bring about the mass marketing of credit cards in the 1990s. Today Capital One is a Fortune 500 company with headquarters located in McLean, Virginia. Its clients are based in the U.S., Canada, and the United Kingdom.
Capital One Credit Cards
Perhaps the most easily recognized cards that Capital One offers are its line of no hassle rewards credit cards. These cards are designed to make it easy for customers to accumulate rewards and receive them. They are made for people who want to earn rewards but do not want to deal with extra fees or regulations.
While many card issuers offer reward programs, Capital One has a few unique features that set its programs apart from the others. With the hassle-free program, there is no limit on the amount of cash that can be earned each year. The cash and other rewards do not have expiration dates, meaning that customers do not have to use them within a certain period of time.
Capital One offers a wide selection when it comes to rewards. Customers can choose from cash, airline tickets, travel benefits, gift certificates, and other rewards. Its system provides rewards in a customer-friendly style. Customers usually earn a steady percentage of cash back or number of miles for each purchase made. They can follow their plans through their online accounts.
For most Capital One rewards cards, customers are required to have good to excellent credit. If you are not sure where your credit stands, check before applying. The higher the score, the greater the amount of rewards can be earned.
Some of Capital One's cards charge an annual fee, while others do not. Its cards may also come with additional fees, such as late charges and over-the-limit fees. This is similar to many other credit cards in the industry today.
Other Benefits from Capital One
Most Capital One credit cards do not charge for foreign transactions. This means that, unlike many other credit options, customers who take the card on vacation to another country can use it and not have to pay extra charges. Some of its cards also offer ways to earn bonus points by shopping through certain retailers.
When you sign up for a Capital One card, you can expect to earn decent rewards. The best way to make sure that this will happen is to read the fine print and understand how to make the card work for you. Once you start using it, cash in your rewards as they accumulate. By doing so, you'll not only have a dependable credit card that you can travel with; you'll also enjoy many other additional benefits.
History of Capital One
Richard Fairbank founded Capital One in 1988. Since its beginning, the company has specialized in financial products and services. Its efforts helped bring about the mass marketing of credit cards in the 1990s. Today Capital One is a Fortune 500 company with headquarters located in McLean, Virginia. Its clients are based in the U.S., Canada, and the United Kingdom.
Capital One Credit Cards
Perhaps the most easily recognized cards that Capital One offers are its line of no hassle rewards credit cards. These cards are designed to make it easy for customers to accumulate rewards and receive them. They are made for people who want to earn rewards but do not want to deal with extra fees or regulations.
While many card issuers offer reward programs, Capital One has a few unique features that set its programs apart from the others. With the hassle-free program, there is no limit on the amount of cash that can be earned each year. The cash and other rewards do not have expiration dates, meaning that customers do not have to use them within a certain period of time.
Capital One offers a wide selection when it comes to rewards. Customers can choose from cash, airline tickets, travel benefits, gift certificates, and other rewards. Its system provides rewards in a customer-friendly style. Customers usually earn a steady percentage of cash back or number of miles for each purchase made. They can follow their plans through their online accounts.
For most Capital One rewards cards, customers are required to have good to excellent credit. If you are not sure where your credit stands, check before applying. The higher the score, the greater the amount of rewards can be earned.
Some of Capital One's cards charge an annual fee, while others do not. Its cards may also come with additional fees, such as late charges and over-the-limit fees. This is similar to many other credit cards in the industry today.
Other Benefits from Capital One
Most Capital One credit cards do not charge for foreign transactions. This means that, unlike many other credit options, customers who take the card on vacation to another country can use it and not have to pay extra charges. Some of its cards also offer ways to earn bonus points by shopping through certain retailers.
When you sign up for a Capital One card, you can expect to earn decent rewards. The best way to make sure that this will happen is to read the fine print and understand how to make the card work for you. Once you start using it, cash in your rewards as they accumulate. By doing so, you'll not only have a dependable credit card that you can travel with; you'll also enjoy many other additional benefits.
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