MTV® Visa® Card From Capital One®
Sponsored Card
- Minimum Credit Required:
Excellent, Good - Annual Fee:None
- Network: VISA
Points - Generic
| Initial Bonus None |
Base Earn 1 point / $1 |
Max Earn 5 points / $1 |
Earn / Redeem Limit No |
- Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events.
- Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops.
- 1 point per $1 spent on everything else.
- 25 bonus points each billing period you keep your account in good standing by paying on time.
- Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings.
- Also, redeem for Travel, Merchandise, Gift Cards and more.
- No limit on the points you can earn and points don't expire.
| Intro Rate 0% |
Intro Period until June 2013 |
Regular Rate 13.9% - 19.9% (V) |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate13.9% - 19.9% (V) | Balance Transfer Fee None |
| Cash Advance Rate 24.9% (V) |
Cash Advance Fee 3% (min $10) |
- 0% intro APR--pay no interest on purchases until June 2013.
- No annual fee.
- Choose from 2 unique MTV card designs or create your own image card.
- $0 fraud liability for any unauthorized use if your card is lost or stolen.
- Auto rental insurance.
- Max Late Fee: $35
- Max Overlimit Fee: $29
- Max Penalty APR: 29.4% (V)
- Grace Period: 25 days
- Online Response: No
- Foreign Transaction Fee: None
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MTV® Visa® Card From Capital One® is related to the following credit card categories:
- Capital One Rewards Credit Cards
- Capital One Excellent Credit Credit Cards
- Points Credit Card
- Credit Cards for Excellent Credit
- Visa 0% APR Credit Cards
- Rewards Credit Cards with No Annual Fee
- Credit Cards for Good Credit with No Annual Fee
- Unsecured VISA Credit Cards
- Credit Cards for Excellent Credit with No Annual Fee
- Rewards Credit Cards for Good Credit
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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the MTV® Visa® Card From Capital One® shown on this page.
The card information shown on this page was last updated: May 23rd, 2012 at 3:33 EDT
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For some reason I'm naturally skeptical of a credit card with MTV in the name and an MTV-themed picture on the front. But as were all taught, you shouldn’t judge a book by its cover. The most beneficial credit cards are often not the ones you’d think anyway. So I’ll give the MTV Visa Card from Capital One a chance; maybe itll surprise me. Pros - I like the fact that the MTV credit card gives you a rewards bonus for keeping your account in good standing; too many people out there simply don’t pay their bills, and it’s good to promote the opposite. - If entertainment is one of your biggest spending categories, the MTV Card’s rewards are pretty beneficial as well. - No annual fee is always nice to see. Cons - It strikes me as odd that Capital One is offering an MTV Credit Card, which one would think would be a student credit card, but is requiring good or excellent credit to get it. I guess they think people who were teenagers in MTV’s infancy will want to get it? - You’d obviously like to see cash rewards instead of points, but that’s a minor gripe. - 0% for 12 months is ok, but a bunch of cards give it to you for longer. Overall, the MTV Capital One Visa Card is decent. In addition to the confusing branding, the MTV card’s rewards are just ok and the same can be said for its rates. I just have a hard time believing that people spend more on DVDs and video games than gas, groceries and stuff like that. So I would just go for a great gas card like the PenFed Platinum or a good everyday spending card like the Amex Blue Cash Preferred. And if I wanted low rates, instead of the MTV Visa, Id go with the Slate Card from Chase if I wanted to transfer a balance and one of the 0% Citicards if I wanted to save on a big purchase. I suppose though, if I really did spend a lot on entertainment, I might pick up a Cap One MTV Visa Card as well.
The MTV generation (“youth of the late 20th century,” according to Wikipedia) is now in its financial prime, and those who have been able to reach good or excellent credit despite the economic upheaval might be inclined to check out the MTV Visa Card from Capital One. A quick glance at this page will tell you that the MTV Credit Card offers 5 points per dollar spent on music, movies, video game rentals and sporting events; 2 points on money spent eating out; 1 point on everything else; 25 bonus points each month you make at least a minimum payment on time; and the ability to redeem points for travel, merchandise, gift cards, and tickets to MTV shows and events. But the real question is how lucrative these rewards actually are. In other words, are the things you can redeem them for attainable or are they equivalent to dangling a carrot in front of a horse’s face? The problem is that it’s difficult to figure this out. According to Capital One’s website, “It depends on your program. Once you become a No Hassle Points member, please check our Web site to view the redemption options.” A general No Hassle Rewards overview page reveals that redemption options for No Hassle Points start at 750 points, but doesn’t provide many details. You can therefore start redeeming after spending as little as $150 with an MTV Visa Credit Card (if all purchases are entertainment-related), but you have to think that you won’t get much at all for so few points. It seems to me that the lack of specific redemption policies for MTV Visa Credit Card points represents a good reason to get a cash back card like the Capital One Cash Credit Card or a card like the Capital One Venture Card, which basically gives you 2% cash back when miles are redeemed for travel-related charges. You might think that the fact that the MTV credit card offers 0% on purchases for a year would offset the vague rewards, but plenty of better rewards cards, including those mentioned above, offer 0% for at least that long. I’d then probably recommend not applying for the Capital One MTV Visa because there are options out there that provide clearer, more versatile rewards and equally appealing low interest rates.