Capitol One Since 1995
Capitol One Credit Card Company began in 1995, in the past ten years it has become one of the top credit card companies; they offer services in the United Kingdom and Canada, in addition to the United States.
Capitol One credit cards are varied enough to suit anyone’s credit history and credit needs; their premium credit offerings, for people with excellent credit offer some of the most usable rewards in the credit card business.
Premium Credit Cards
Capitol One credit cards are for people with excellent credit; excellent credit means a person has had credit (in the form of a loan or credit card) for at least 5 years and that the credit card has a limit of at least 10,000 dollars. Also this credit holder will have needed to always make on time payments.
These Capitol One credit cards are available from both Visa and Master Card, so each customer can choose their credit company plus their benefits package; some of the benefits include travel reward miles, cash back rewards, and special annual percentage rates.
For People With A Good Start
Capitol One credit cards are designed with all people in mind, as such they have special cards for people with good credit that is perhaps not quite excellent yet; these cards have great rewards programs and are available from Visa or Master Card.
These cards are platinum cards, this means they will have a credit limit over 5,000 dollars and offer low annual percentage rates plus no annual fees in most cases. The platinum cards are ideal for people who already have a credit card with a limit over 5,000 dollars, plus they have held good credit for at least 5 years; these cards are a little more forgiving and allow their holders to have made a late payment or two in their credit history, so long as it wasn’t over two months late.
For Customers Who Need Help Building Credit
Capitol One credit cards have cards with smaller spending limits and credit requirements which are easier for people newer to credit or who have had problems managing their credit in the past; these cards will often have credit limits under 5,000 dollars.
Because of their limited history these cards will charge an annual membership fee, however the customer will still be able to take advantage of rewards programs and build their credit with by making on time payments and gradually getting their credit limit raised as they show their credit worthiness.