Explore the Benefits of a Capital One

We all need money to live and when our cash runs low, a credit card can come in handy. Credit cards are also helpful when you are traveling, as most people hate to carry cash over long distances.

Capital One is a major credit card provider, offering financial aid and services to one in seven households. It has over 25 million clients and the number is growing. Based in Falls Church, Virginia, Capital One employs over 16,000 people in the United States and abroad. It is one of the leading credit card providers.

Capitol One Financial trades on the New York Stock Exchange under the COF symbol. Business Week rated it among the top 50 performers of the S&P 500 and it debuted at #405 on the Fortune 500 list.

Capitol One offers low introductory interest rates, 0% annual percentage rates and balance transfers with no hidden fees. Its cards offer credit lines from $300 to $100 000 with no annual interest. Cardholders receive additional benefits such as online account management, additional cards, year-end account summaries and instant online approval. They can choose between Visa and Mastercard, or apply for both.

Some Capitol One Financial programs offer point systems or cash back programs. With the Chase Ultimate Rewards program you can earn 1 point for every dollar you spend. Use your credit card for every purchase to earn extra points and free gifts with a card like the 0 balance transfer card.

Credit cards can offer benefits that money can’t. Some MasterCard Capital One cards are protected against loss or theft, though you may be required to pay a fee. If you lose cash, it is lost forever.

You often need a credit card to rent a vehicle or reserve a hotel room. You can also use your MasterCard to get cash while on vacation. Some MasterCard providers offer a 25-day interest-free grace period once you’ve proven you can make your payments on time. You will also receive monthly statements to keep you alert to your spending.


You may receive an email claiming that your account will be closed if you do not give the company your personal information. Some emails request information updates, while others offer additional credit cards in exchange for your personal information. These are Spam emails and are risky. DO NOT reply to these emails with your personal information.

If you receive such an email, be sure to check your bank accounts and credit card statements to ensure no unauthorized charges are listed.

If you are applying for a credit card you will need to provide personal and financial information on your application. When applying for a Capital One Mastercard make sure that the site is secured. The best way to test security is to check the address in your search engine. Most addresses start with http://. If your site begins with https:// then the site is secured. You can also tell if a site is secured by looking for a lock and key at the bottom of the page.