Capital One® Cash Rewards for Newcomers
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Below you can review the Capital One® Cash Rewards for Newcomers and find the card's rates and fees according to our latest records, which may be outdated.
Alternatively you can compare the latest credit card offers and save money.
Fair, Limited History
- Get 2% cash back on travel purchases.
- Earn 1% cash back on all other purchases.
- ANNUAL FEE None
- BALANCE TRANSFER FEE None
Capital One® Cash Rewards for Newcomers’ Additional Info
- MAX LATE FEE $35
- MAX OVERLIMIT FEE None
- MAX PENALTY APR 29.4% (V)
- GRACE PERIOD 25 days
- ONLINE RESPONSE No
- CASH ADVANCE RATE 24.9% (V)
- CASH ADVANCE FEE 3% (min $10)
- SMART CHIP No
- A card designed to help those new to the U.S. establish credit and earn cash back.
- Build credit with responsible use - plus automatic reporting to the three major credit bureaus.
- No foreign transaction fees.
- No annual fee.
Capital One® Cash Rewards for Newcomers Reviews
I would like to mention a comparison card so that you may see why I just do not feel that this is the best way to start building credit. The Washington Federal Visa Signature Bonus Rewards Card is a card that rewards with points: redeem the points for cash at 1%, on your first purchase, they actually give you 2500 bonus points, which is a value of $ 25.00. The points can be used for 5 years, unlimited point accumulation, and an additional 25% Bonus rewards on your points per month. The limits on the redemption of your points, however, begins at 2500 points, which is a cash back reward of $25, and also the points have a limit on airfare tickets at a cap of $ 325, which also needs to be round-trip.
The cash advance fee is also at 3%, which I do not like, but they still beat Capital One by making the minimum fee at $ 5.00.
This card also has a 6 month 0.00% APR, versus the automatic 29.4% with Capital One. After that, it is 9.99%-20.99%. Since we want to compare fairly, I would recommend a newcomer to be given the highest percent at 20.99%, which still far outdoes 29.4%.
Now, if Capital One Newcomers card would match the monthly 25% bonus on points/rewards, and also allow the 6 month introductory offer, then I would be more inclined to consider signing on. They need to do a little better, especially these days.
So, I would prefer the Visa Card over the Master Card. I would think that I am getting better treatment, all around. Look around. There are cards for everyone.… more
What I probably appreciated most (especially since I am in no way financially/mathematically gifted and most credit card agreements sound like a foreign language to me) was how the Capital One people I talked to went to great lengths to make sure I understood what I was signing on for.
Well, my credit is getting better, and I haven't missed a payment yet, so I'd say I'm pretty satisfied. I'll be keeping my CapOne card around for a while, and I would recommend it to anyone I knew who was looking to sign up for a new card.… more
My card was stolen about 6 months ago. I called Capital One to report the card as stolen and, again, the representative that I spoke with was very helpful and patient. My card was immediately canceled and I received my new card very quickly. They also offered further assistance and asked me to please call back if I had any other problems. I have since had my husband apply and would gladly recommend Capital One to anyone!… more
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Last updated on: Dec 11th, 2013 at 5:58 EST