Sony Card from Capital One®
- Earn 5,000 bonus points after first purchase in your first 90 days.
- 5 points per $1 at Sony Store and store.sony.com.
- 3 points per $1 on dining out and movie purchases.
- 1 point per $1 spent on all other purchases.
- Redeem for Sony products, movies, music & more
- ANNUAL FEE None
- BALANCE TRANSFER FEE None
Sony Card from Capital One®’s 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
- 0% intro APR on purchases until December 2015, after that a variable 13.9% - 24.9% applies.
- No annual fee.
Sony Card from Capital One® Reviews
There is no annual fee with this card. This is an important feature. I always look for low annual fees, so no annual fee is fantastic and can save a lot of money in the long run. There is also no balance transfer fee or foreign transaction fee. Sony fans will appreciate that you get more points for buying Sony products. That makes sense seeing as though it is a Sony card. You also get 5,000 points for signing up. This makes it different from other cards, such as the Discover card, which it is otherwise similar to. Right now they are offering a $50 Sony store credit as well. You get the credit once you are approved and have made your first purchase.
Some have said the customer service isn't great, but it is difficult to say one way or the other. Like with most places, it could also be a matter of who you are talking to at the time. If you are on the high end of the interest rate it can still be a little on the expensive side, but no more so than all the other cards out there. This card is directed more at Sony shoppers, or at least, encourages you to buy from Sony. If you don't want to the rewards program may not be something that you will be interested in. The card states that you need excellent credit to be approved and this seems to be the case. A few collection accounts may not hurt you, but you should have at least a 650 or higher credit score to apply.
More About the Card:
The cash advance rate is on the high side at 24.9 percent interest. You get a 25 day grace period, which is about average. So, while there is no annual fee it would be best to not be late in making any payments or get more cash advances than you have to. Between the $35 late fee and the higher rate of interest for cash advances the bill could add up. You can get up to 5X reward points, but most people probably won't take advantage of this. In order to get the 5X rewards you need to spend $2000 on Sony products at the Sony store. Most purchases will give out 1X the points. An exception is for those that dine out frequently. You can get 3X reward points when you dine out four times. The point system can be a little tricky, and again, it is aimed for Sony shopping. So if you don't plan to buy any Sony products, this may or may not be the card for you. It could come in handy for someone that wants to make a few electronic purchases and make on time payments to build credit, though. The no annual fee alone is enough to make it worth consideration, in my opinion. Also, the interest rate isn't too high, so it is worth taking a look at.… more
I do wonder how redemption of points works. The description of what you can redeem them for is a little vague, and it's not clear how much each point is worth. Other cards like Bank of America Cash Rewards and Chase Freedom specify that 1 point = $.01 The other negatives are that the APR seems like it could be a little high, and I wish it had a smart chip.… more
At first thought that I would not care for this card, that it would not do me a lot of good as far as points earned. We don't have a lot of extra money and don't spend a lot on electronics, even though if I did I do like the brand name of Sony. But, then I saw that dining out and movies and other purchases earn points which I can then use toward other dining out or movies or on Sony products.
I do like the zero balance transfer fee. We have used this several times with cards as I'm sure others do as well. Once the introductory period is other and the introductory 0% APR is over and goes up, we will transfer our balance to another card like this one. To be honest, I am sure that is what we will do with this one also come December of this year.
Credit cards can be a very bad thing for some people to have, but they can also be a great financial opportunity if used smart. The key is to avoid paying fees and high APR's, stay on top of what is going on with your account and pay on time!… more
Also- this card has those perks we all appreciate. A point system based upon purchases.
You get 5,000 bonus points after your first purchase[within 90 days] and 5 points/every $1-Sony Store purchase; 3 points/$1 for every movie,eating out purchase and and even 1 point/$1 on all other types of purchases. You can redeem the points for SONY products/movies/music/and many other offerings.
This card is competitive in its cash advance fee[24.9% variable]/$10 minimum} and I like the $35 maximum late fee [I'm NEVER late!].Plus a 25 day grace period with no charge for balance transfer fee, makes this a user friendly credit card.
If you have a GOOD credit rating you can also take advantage of this exceptional offer . Sony/Visa/Capital One is a triple winner!!… more
The Customer service at Capital One is also excellent, every person I've spoken to was courteous and I was not on hold for more then a few minutes, they also spoke good English which is important. I've had some issues such as my card getting lost and they were very professional and mailed me a new card in less than a week. Overall I highly recommend this card and Capital One as a whole.… more
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Last updated on: Jan 29th, 2015 at 8:22 EST