Journey Student Rewards Credit Card Helps Put A Right Start In Your Children’s Financial Future

College is the best time for getting a head start in life. Parents with college kids often want to extend their help by assisting them in making the right financial decisions that will surely have a great impact on their future. That’s why Capital One offers its Journey Student Rewards credit card. This is essentially perfect for students since it’s designed to help them build credit through responsible use.

About the Card

This card was created for students with average or limited credit who are looking to build up a strong foundation in their credit history – all in effect while getting rewards for it. Students can gain access to their credit score every month online. This is made possible through the use of an interactive tracking tool. The credit scores are a means for students to make the right decisions, since this affects the creditor’s ability to give out loans or credit. At no additional cost, text alerts are also provided to keep students on track of their expenses.

Rewards are surely a thing of joy, especially for the busy college student who’s away from home. For every purchase you make, you get a cash back of 1%. This includes purchases on gas and textbooks among others. As an added bonus, you get a whopping 25% in cash back rewards every time you pay your bills on time every month. This way, you get rewarded for the good management of your card, further benefiting your credit history.

Once you’ve accumulated enough points, you can redeem them to make purchases from Capital One’s gift cards. You can also jut choose to add the rewards amount to your account, or cash it out so you can buy whatever you want. Redemption of these points can be done online or through a phonecall. To make things easier, you can pre-set a redemption threshold so that you will automatically get your reward the way you want it once it reaches that threshold.

Here’s another perk for you. When you shop at Capital One’s Perk Central retail network, you can get 15% more in cash back bonuses. Plus, this bonus has no expiration period, so just keep locking in those purchases for a greater return of your money.

Credit Card Rates

There is no annual membership fee for this card, but other fees and penalties may apply. The purchase and transfer APRs are both at 19.8%, while the cash advance APR is at 24.9% APR. You will be allowed a grace period of 25 days to pay off your bill in full.

While student credit cards normally doesn’t have as many perks as regular credit cards do, they provide a very good way for the younger generation to handle their finances effectively. Give them the Journey Rewards Student credit card, and they’ll be getting more than just the rewards. They will earn a lifetime of good money management.


Entertainment just got even better with Capital One’s MTV Visa Credit Card

All work and no play? Capital One Bank just might have the perfect solution for you. Meet the MTV Visa Credit Card. It’s the perfect credit card – and excuse – for you to enjoy MTV-produced events and buy affiliated merchandise.

What’s in it for you?

Everytime you use this card, you automatically get 5 points for every dollar on each purchase. Accumulate enough points, and you can redeem travel perks, cash, gift, cards, and MTV merchandise, which range from sporting equipment to electronic devices. But that’s not all. Earn even more points and you may just get yourself some tickets to see the Video Music Awards (VMA) live! And who knows – you might even get to visit the set of an MTV exclusive taping of your favorite artist.

Opening an account is very simple. In fact, you don’t even have to have a good credit history to open an account. As long as you have a fairly good to average credit history, you’re qualified. However, if you keep up a very good standing after three cycles of billing, you will get 25 Bonus points in each billing period thereafter. An account in excellent standing means that you regularly pay on time the minimum requirement. Keep this up, and you’ll be reaping those great rewards in no time.

What are the rates and fees?

The interest rates and interest charges are as follows:

APR for Purchases, APR for Transfers, and APR for Cash Advances – Rates for each service may vary, but are currently fixed at 24.9%.

Penalty APR – Typically based on the market Prime Rate, but is currently placed at 29.4%. This fee becomes applicable for issuance of late payments.

Paying Interest – You will be expected to pay within 25 days after billing. Interest will be charge upon cash advances if you fail to do so.

There are no annual fees to bother you with but Capital One does require transactions and penalty fees. You will be requested either 3% of a cash advance, or $10 – whichever greater. As for penalty fees, you will be deducted $35 for late payments, $29 for over-the-credit limits, and $35 for returned payment. Take note that the over-the-credit limit can be issued on your credit card or not, depending on your preference.

With all the rockin’ perks it offers, this is the ultimate credit card for the entertainment buffs. Rewarding yourself for spending doesn’t seem too bad now, does it?


The Perfect Credit Card for Less Than Perfect Credit from Capital One

Building a good credit record isn’t always easy. But as it has been said, nobody can go back and start a new beginning, but anyone can make a different ending. And ending up with a good credit record in spite of a previously bad one is the reason why Capital One banks offers its exclusive Secured Mastercard Credit Card.

How It Works

To be eligible, you need to have a poor credit quality and history. Once your application is approved, you are required to make a security deposit, which is refundable. You have the option of paying everything at once or adding the amount as you go along. As long as you are able to pay off the full amount within 80 days, you’re good to go.

Once you have deposited the minimum amount, you are then given $200 minimum worth of credit line. You can use this to make your purchases, or in times when you really need some cash. By adding more money to your initial deposit, you can increase your card’s credit line.

There are three credit bureaus in which your card status will be reported to automatically. These bureaus can determine if you may qualify for a future credit line increase, based on your credit history and credit payment.

This security deposit is important because it acts as your collateral. If you should ever decide to close your account after having paid the your security deposit in full, you can still get the full refund on this amount.

Because Capital One reports to the credit bureaus all payment history of your card, you can have the chance to build up a new and good credit history once again. By making sure to pay on time monthly, you can get a fresh start with Capital One’s Secured Mastercard.

What About Rates?

For purchases and account transfers, you can enjoy a 22.9% APR. As for those Cash advances, they get to have 24.9% APR as well. Annual fees are fixed at $29, while there are no transaction fees for transfers. You will be issued penalty fees for returned or late payment, at $35 and $19 respectively. There are no penalty fees for over-the-credit-limit as well.

Known as one of America’s most widely recognized banks, Capital One offers one of the best banking services and secure accounts there is. Because it has been proven to be a trusted and reliable name in banking, your credit future can still have hope to recover.


0% APR and Transfer Fee From Capital One Platinum Prestige Card

For those who find themselves getting a little in too deep with credit card debt, it may be surprising to think that applying for another credit would pose an answer. However, doing so is actually a stroke of genius if you do it right. In order to lessen the interest you’re gaining every month on an existing card with an existing balance, one strategy is to transfer your credit card balance to another card that offers a lower interest rate. Better yet, transfer it to a card with 0% interest. This helps keep your balance from growing, giving you time to pay it off without accruing additional interest.

Usually credit card companies offer 0% interest on balance transfers for a promotional time to encourage consumers to open a card with them. The longer the promotional period, the better for those who are keeping up with their credit card debt. The usual period is from 6 – 12 months, however, Capital One is offering one of the longest periods yet, as long as 2 years.

The Deal

Yes, you heard it right, Capital One Platinum Prestige Card gives you 0% balance transfer for as long as 2 years. The promotional rate is announced to end on February 2013, so if you open a card with them now, you get to enjoy 0% on balance transfer for 2 years and 2 months. If that’s not enough Capital One is adding a 0% APR to the package, so if you charge any new purchase to your card, you can pay the item off slowly without the added interest.

Card Details

* 0% Introductory APR until February 2013 – 18.9% variable APR thereafter
* 0% Introductory APR for Balance Transfers until February 2013 – 18.9% variable APR thereafter
* $0 Annual Fee
* $0 Fraud Liability
* 24 hour travel assistance services
* 24 hour roadside assistance
* Extended warranty program
* Travel Accident Insurance
* Auto Rental Insurance

About Capital One

Capital One was founded in 1988 and has continued to do business up until today. It is currently one of America’s largest consumer franchises with around 45 million customer accounts. It is also one of the nation’s top ten banks based on deposits. The bank has approximately 1,000 branches located in New York, New Jersey, Texas, Louisiana, Maryland, Virginia, and the District of Columbia.

Aside from being issued by a trusted bank, the Platinum Prestige Card beats other credit cards over the length of term for their 0% introductory rates. The sooner you get the card, the longer you can benefit from their zero interest rates.