After establishing a credit history with Capital One for over 3 years I was upgraded to a No Hassle Cash Platinum Visa Card. I had the same interest rates and annual fee, but I received 1% back on all purchases. There was also discounts for shopping at certain stores and I received an annual cash back bonus each year. I used this card for all of my purchases the first year and was able to get $150 back in points. This made having an annual fee not matter too much because I would just deduct it from my rewards. I really enjoyed this card for the 2 years I had it. One day I received a email stating that my rewards card was being upgraded. It was practically the same card, but I was losing my annual bonus and there was no more discounts. I tried to keep my current card, but they said it was no longer going to be carried by Capital One. I would definitely recommend this card or something similar from Capital One.

kingoftheink

Westchester, IL

So, I have never really been a huge fan of Capitol One, anything. Not the banks, the auto loans, credit cards, nothing. The interest rates on everything they have is just way to expensive for me. This card is the exception. There is nothing to this card. I have complete control over when my due date is, my rewards, my interest rate, everything. I love that I can shop, shop, shop and get rewarded for it., good rewards too. Customer Service I am sorry, I do not like dealing with Capitol One's customer service people because half the time I can barely understand half of what is being said, until after I have agreed to something. The rest of the time, they are strongly promoting something I should get, that I probably don't need. On other occasions, I have to deal with at least 3 customer service people before my issue is actually solved. Available Rates The rates on this card is great, 0 percent interest. I love that, because it is actually unheard of from them, as their interest rates are usually through the roof!

Laila0921

USA

Capital One was my first credit card that I ever had out of college. I applied because my mother told me I needed to start establishing credit and Capital One was the popular choice at that time. I got this card with a lower credit limit, but a huge interest rate. I know I didn't have any credit, but the interest rate was ridiculous. I felt like Capital One does this to their customers just to make more money and rip off the customer. I started receiving calls from Capital One asking me to enroll in the insurance protection. They would not stop calling, even when I told them I was not interested. I closed this credit card shortly after realizing what Capital One was all about, and I would not recommend getting this card. Customer Service The customer service is horrible and it takes forever to even get a representative on the phone. They are not helpful and just try to charge you more money. Available Rates The rates are way too high.

karra1031

USA

I can happily say that I am an owner of a Capital One -Hassle Cash Platinum Visa Card. Since I became a Capital One Card owner, I have been pleased with the service that have been provided to me. It gives six month reviews to allow you to obtain a credit limit increase if you are current with your payments. It rewards you with points for purchases from groceries, gas or just general merchandise. I have had the opportunity to upgrade my card to a different design. Also, if there are any attempt of fraud on my account I am notified, immediately. This happened recently and I was notified right away and given the opportunity to receive a different card and change my password. Because of this incident and the other benefits this card offers, I know that this is a great credit card to have. If anyone I know is interesting in obtaining feedback about a good credit card, Capital One -No Hassle Cash Platinum Visa Card would be my recommendation. It's good to have in your wallet. Customer Service Whenever I have contacted Customer Service, I received an excellent response. Available Rates The rates are basically the same as most credit cards.

TWynn

USA

I have been a Capital One Credit Card holder for 15 years. This credit card is awesome. I earn 1.5% on everything I purchase. There is not cap or limit to what I can earn. I use this card pretty much for everything I buy. I still budget and do not go over what I know I can afford to pay off every month. When you put everything like groceries, gas, clothing, bills, etc. on the credit cards, points add up fast! I earn five to eight hundred dollars every year from Capital One. I love that you can get cash as your reward. I highly recommend this credit card. Customer Service Being a customer of Capital One for so many years has allowed me to deal with customer service many times. They have always been willing to go above and beyond what I would normally expect from a credit card company. Capital One has some of the best customer service representatives in the credit card business. Available Rates As with any credit card company, your personal credit history is going to influence the credit rate offers you receive. If you use credit responsibly, most credit card companies are willing to work with you on rates to keep you as a customer.

pennysue6

Undisclosed

This was a great credit card to get alowing even those hwo dont have the best credit be able to obtain one for emergency use. Rates are fare and the fees beat most other companies who will really rip you off. They also offer a nice incentive program on some of the other card programs.

salst21

Pittsburgh, PA

Recently I was promised a credit line with Capitol One for a medical loan for a necessity when I applied they told me the interest rates for that specific loan was 4.99% but for my surprise when they qualified me they charging a 16% contrary what they had promised. Because I already had start the treatment and didn't had any alternative than take it but I am making all the efforts to get another loan to pay if off. Please do not get cut on a situation like my self they will take advantage of it! Make sure that what you are carrying in your wallet is not Capitol One

TonyO

Chelsea, MA

Capitol One is the biggest rip-off creditor, they will rip you off and making TV announcing "What you got in your Wallet" do not get cut with one of their cards they are the highest interest rates credit cards in the country. What out for their deceiving techniques to get your money

speedO

Chelsea, MA

The fees that come along with this card are absolutely rediculous!  Also, when the fees put you over your limit, you pay your bill thinking you will be fine, only to find you get charged a month later for an over the limit fee.  A little sneaky if you ask me.

cwhitfield05

Cheyenne, WY

I think it should be just a little easer to get a visa credit card. If you don't have perfect credit you can forget it. With everything going on these days it is hard to keep perfect credit. They should really give us a break. Just because our credit is not the best doesn't mean we don't deserve a second chance without having to dish out money to get it. I think something should be done about this. The only way we can rebuild our credit is if we can get someone to give us credit. It's a lose lose situation.

traciehovis

Oklahoma City, OK