Capitol One Credit Cards

The Capitol One analyze the credit card holder performance . This classification  is based on the prospective cardholders track record of debt notes loan or previous credit card.According Capitol grouping cardholders based categories makes it easy for us as consumers to be more aware of our ability to responsible for the paying of our credit card bill on time.

This level is very beneficial for both the publishers and consumers.For credit card issuers, this classification will make the risk of default is smaller, so it does not harm their company.

The following categories of credit card holders based on The Capitol One level:

1. Excellent Credit

Do BOTH of these describe you?

I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year. - AND -I have had a loan or credit card for 3 years or more with a credit limit above $5,000

2.  Average Credit

Do EITHER of these describe you?

I have defaulted on a loan in the past 5 years.- OR -I have limited credit history. I've had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else's credit card).

3.Rebuilding Credit

Do EITHER of these describe you?

I have defaulted on a loan more than once - OR - I have been declined for a credit card in the last 3 months. 

If you know what the credit card holder level are you, you will know what is best credit card that The Capitol One offers for you. Here are the most popular credit card from The Capitol One :

a. Venture Reward

Credit Level : Excellent Credit. Reward : Unlimited 2 miles per dollar on every purchase.One-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months. Purchase APR : 13.9%-20.9% variable APR. Transfer Info : 13.9%-20.9% variable APR; No Transfer Fee. Annual Fee : $0 intro for the first year; $59 after that

b. Venture One Reward

Credit Level  : Excellent Credit. Reward : Unlimited 1.25 miles per dollar on every purchase. One-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months. Purchase APR : 0% intro APR until December 2015; 11.9%-19.9% variable APR after that.Transfer Info :11.9%-19.9% variable APR; No Transfer Fee. Annual Fee :$ 0 .

c. Quicksilver® Rewards

Credit Level : Excellent Credit. Earn unlimited 1.5% cash back on every purchase, plus a one-time $100 bonus/. Purchase Rate: 0% intro APR until September 2015; 12.9%-22.9% variable APR after that. Transfer Info: 0% intro APR until September 2015; 12.9%-22.9% variable APR after that; 3% fee on the amount transferred until September 2015. Annual Fee: $0

d. QuicksilverOne® Rewards

Credit Level :Average Credit. Earn unlimited 1.5% cash back on every purchase, every day. Purchase Rate: 0% intro APR until September 2015; 22.9% variable APR after that. Transfer Info: 0% intro APR until September 2015; 22.9% variable APR after that; No Transfer Fee. Annual Fee: $39.

e. Journey® Student Rewards

Credit Level :Average Credit. Build credit with responsible use and earn cash back. Purchase Rate:19.8% variable APR. Transfer Info:19.8% variable APR; No Transfer Fee. Annual Fee:$0 Annual fee.

f. Platinum Credit Card

Credit Level :Average Credit. Get the credit you need. Plus, enjoy a $0 intro annual fee for the first year; $19 after that.Purchase Rate:24.9% variable APR. Transfer Info:24.9% variable APR; No Transfer Fee. Annual Fee:$0 intro annual fee for the first year $19 after that.

g. Secured MasterCard®Credit Card

Credit Level : Rebuilding Credit . Build your credit with responsible use. Refundable deposit of $49, $99 or $200 required. Purchase Rate:22.9% variable APR. Transfer Info:22.9% variable APR; No Transfer Fee. Annual Fee:$29 Annual fee

h. Classic Platinum Credit Card

Put a little extra bounce in your wallet. Credit Level :Average Credit. Get the credit you need with a competitive rate. Purchase Rate:20.9% variable APR. Transfer Info:20.9% variable APR; No Transfer Fee. Annual Fee:$39 Annual fee

i. Platinum Prestige Credit Card

With a low intro APR and no annual fee, you could save a ton! Save money with a 0% intro APR on purchases and transfers. Credit Level : Excellent Credit. Purchase Rate: 0% intro APR until March 2016; 10.9%-18.9% variable APR after that. Transfer Info: 0% intro APR until March 2016; 10.9%-18.9% variable APR after that; 3% fee on the amount transferred until March 2016. Annual Fee: $0 

By knowing our level, the APR or calculate the credit card interest, the reward, and annual fee makes us wise to using the credit card that The Capitol One offers to us.  This information makes us easy to entering the data when using the credit card calculator to know detail about our credit card bill.