If you have built excellent credit, there is an excellent credit card that you might find works well for you: Capital One® Platinum Prestige Credit Card. This card offers a period of time where you pay 0% APR on purchases. It provides good interest rates and offers outstanding help and support for its customers. You also can enjoy personalizing your card with an image of your choice, which is a delightful perk. This instant approval credit card easily wins our TopTenREVIEWS Silver Award.
With this card, you get a 0% APR on purchases. After the introductory period is over, the APR for purchases and transfers will range from 10.90% to 18.9%, depending on your creditworthiness.
You pay a 24.9% APR for cash advances, and if for some reason you make a mistake and make a late payment, the penalty APR is 29.4%.
The grace period for this card, during which your account accrues no interest charge on a purchase, is 25 days. That is quite standard in the credit card world.
This card requires no annual fee, which is certainly a welcome benefit. If you get a cash advance, the fee is 4% of the advance or not less than $10. If you do make a late payment or have one that is returned – which is unusual for people with excellent credit – the fee for each is up to $35. If you run over your credit limit, you can pay a fee of up to $29.
As a cardholder, you have no liability if this instant decision credit card is used fraudulently while lost, stolen or otherwise mishandled without you authorizing its use.
This card gives you MasterCard® Platinum benefits that include such things as 24-hour travel assistance. For example, if your credit card is stolen or if you lose it while you are away from home, you can contact the company and get a new card as well as a cash advance. You also get dispatch service with this card that is available 24/7 in the event that you have car trouble and are stranded someplace or get locked out of your vehicle.
This card provides an extended warranty program that gives you extra warranty protection for various things you buy with the card.
In addition, you can use this card to get auto rental insurance including collision, damage and loss coverage, as well as travel accident insurance. However, there is no help for delayed luggage when you are traveling.
One fun feature of this card is the opportunity to customize the front of the actual credit card by uploading a picture that you have taken or one that is provided by the company that you find appealing. This is a free service that takes little time and results in a unique card that bears a picture of someone you love, a place you think is beautiful or that holds special memories, or essentially anything you find appealing. This adds a happy and personal touch to your card that will make you smile when you are using it.
The Capital One® Platinum Prestige Credit Card has some of the best customer assistance around. You can call for answers to questions, use its email support or make use of its automated phone service.
If you need immediate answers, this company's website offers live chat with a real person rather than an automated service, which means you can save a considerable amount of time and get accurate answers to any questions you might have about your card.
The company's website is also a great source of easily accessible information. It is easy to get information about your card's rates, requirements and much more with all this information posted so clearly.
This card gives you a period of time during which you pay no interest on any of your purchases, quite reasonable interest rates and excellent customer help and support. The Capital One® Platinum Prestige Credit Card is a worthwhile financial accessory that provides a number of useful benefits.
