Capital One Platinum Prestige: When Only the Best Will Do

Advertiser Disclosure

Do you have excellent credit? Then you probably want (and probably deserve) a credit card that offers the best interest rates and most desirable features that you can get. The Capital One Platinum Prestige might be just the card you are looking for.

With low rates and excellent benefits available, this card offers those with top credit scores opportunities to save money. Although this card does not offer cash back or rewards programs, there are some great money saving features that are available to you.

Benefits

Save a Ton with Long Term 0% APR on Balance Transfers

By transferring balances from higher interest rate credit cards, you can save a bundle while paying off your credit card debts. Right now, you can get a 0% APR rate until May 2015! This low introductory APR lasts longer than many other introductory rates, allowing you an extended time to enjoy interest free options. After the introductory period ends, your interest rates will still be among the lowest and most competitive, ranging from 10.9-18.9, depending on your credit score and payment history, as well as the current prime rate at the time that the introductory rate ends. Now is a great time to consolidate your credit card debt and pay no interest for the next 15 months!

Save a Ton with Long Term 0% APR on Purchases

This great introductory 0% APR is not only valid on balance transfers, but on all purchases as well, meaning you pay no interest on your purchases. For those who pay off their balance each month, this may not be a big deal, but it can be a huge benefit for those who carry a balance and want to save money. Plus, with a 25-day grace period, you pay less interest after the introductory period ends, too.

No Annual Fees, Ever!

Those with great credit deserve great perks. One of the perks of having terrific credit is to be able to qualify for credit cards that have no annual fees. It costs you nothing to use the Capital One Platinum Prestige card, year after year. Many credit cards charge up to $89 per year for similar benefit packages, so this is an attractive option.

Low Balance Transfer Fees

When you transfer balances from other credit cards, you will be charged a low rate of 3% of the amount transferred. Compared to some other cards that offer 5% balance transfer fees, this can add up to a significant savings. For example, if you transfer $5,000 to the Capital One Platinum Prestige card, you will be charged only $150, compared to $250 if you were charged 5% by another card.

Extended Warranty Prestiges

When you make a purchase using your Capital One Platinum Prestige card, you are eligible for an extended warranty on items that do not carry a manufacturer’s warranty of at least one year. This means extra protection on the things most important to you, at no additional charge.

Capital One Rated Tops for Application Clarity

For the fourth year in a row, Capital One was ranked first in credit application clarity, earning a score of 100%, meaning the fine print contains no surprises and you can easily find out just what you are getting into and exactly what benefits you can enjoy. This is important when you are making decisions about your credit, keeping your score high is a priority—especially when you have worked so hard to achieve this top honor. You won’t have to worry about finding out after the fact that there are any hidden fees or restrictions when you use Capital One.

Protection From Fraud

With Capital One, you are protected from fraudulent use of your card 100%. You are not going to be held responsible for any fraudulent purchases made on your card. This is important in today’s world, with the many leaks and security breaches that are reported on what seems to be a weekly basis! No worries if your card is ever lost or stolen, Capital One has you covered.

Extra Benefits

With extra benefits like auto rental insurance and roadside assistance, Capital One stands out. Enjoy the convenience and security that comes with knowing you are protected and insured from accidental occurrences and emergencies.

Express Yourself!

With the Capital One Platinum Prestige card, you have the option of personalizing your credit card with a photo or image that makes it unique and entirely yours! There are plenty of great stock images to select from, or, if you prefer, it is simple to upload one of your own favorite photos to decorate your credit card.

If you have excellent credit and want to be treated well, then the Capital One Platinum Prestige card may be just the right card for your needs. Save money and enjoy the many benefits of having one of the top credit cards available.

 

Conclusion

This is a solid offering from Capital One for those looking to get out of debt or just enjoy no interest for a while! In addition, the low interest after the intro period ends definitely sets it apart from many other balance transfer cards.

However, for those looking for more out of their credit card, there are many other cards that offer the 0% intro APR and no annual fee benefit as well as rewards. Consider the Barclaycard Rewards MasterCard: Barclaycard® Rewards MasterCard® – Excellent Credit. In addition to offering 0% APR on purchases and balance transfers for eighteen (18) months and no annual fee, you’ll get 2 points per dollar on gas, grocery, and utility purchases, as well as 1 point per dollar on everything else. If that isn’t enough, you’ll get 5,000 points upon making your first purchase with the card, with the opportunity to earn 5,000 more after spending $750 in the first 3 months. Talk about benefits!

That said, it’s worth looking into other cards if you’re wanting to earn rewards on your spending. It all depends on what suits your individual spending habits and goals.

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