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For people with
Not sure what we mean by excellent and good credit?
- You've had open credit such as a credit card, loan or line of credit for more than three years
- Your credit has been excellent for the last seven years (this means no bankruptcies and no defaults on credit as a result of failing to pay debts back to creditors)
- You've made at least your required minimum payments on your existing credit on time in the past three months
- Your household income is more than $30,000 a year
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For people with
Not sure what we mean by excellent credit?
- You've had open credit such as a credit card, loan or line of credit for more than ten years
- Your credit has been excellent for the last seven years (this means no bankruptcies and no defaults on credit as a result of failing to pay debts back to creditors)
- For the last nine months, your credit situation has remained the same (this means you haven't opened a new credit card account, loan or line of credit)
- You've made at least your required minimum payments on your existing credit on time in the past six months
- Your household income is more than $40,000 a year
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For people whose
Not sure what we mean by credit needs improvement?
- You've had a loan, credit card or line of credit for more than one year
- In the last two years, you've paid back debts to creditors (with no defaults)
- You've haven't had more than two missed payments on your credit in the last three months
- Your household income is more than $10,000
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For people who need to
Not sure what we mean by establish credit?
- You've never had a credit card, loan or line of credit; or,
- You're new to Canada; or,
- You've recently had credit troubles (that could include a bankruptcy)
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Miles Platinum MasterCard®
with No Hassle RewardsTM
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SmartLine™ Platinum MasterCard®
with a 5.99% Interest Rate
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Guaranteed MasterCard®
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Guaranteed Secured MasterCard®
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Learn More
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Learn More
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Learn More
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Learn More
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| Features and Benefits |
- 1 reward mile per $1 spent on purchases
- 5,000 bonus reward miles on your first purchase
- Redeem reward miles for travel, cash, merchandise and gift cards
- Platinum MasterCard benefits
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- Low interest rate like a line of credit but with the convenience of a credit card
- Guaranteed1 rate of 5.99% for three years on purchases and balance transfers
- Save money when you transfer high-interest balances
- Platinum MasterCard benefits
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| Annual Interest Rates |
Purchase:
As of February 2010
Prime Rate is a variable annual interest rate. At Capital One, we base our variable rates on the Canadian Prime Rate, as published in the Report on Business section of The Globe and Mail on the 25th day of each month. If the 25th falls on a weekend or holiday, the previous business day's information is used to determine the rate information.
+17.55%
Balance Transfer:
As of February 2010
Prime Rate is a variable annual interest rate. At Capital One, we base our variable rates on the Canadian Prime Rate, as published in the Report on Business section of The Globe and Mail on the 25th day of each month. If the 25th falls on a weekend or holiday, the previous business day's information is used to determine the rate information.
+17.55%
Cash Advance:
As of February 2010
Prime Rate is a variable annual interest rate. At Capital One, we base our variable rates on the Canadian Prime Rate, as published in the Report on Business section of The Globe and Mail on the 25th day of each month. If the 25th falls on a weekend or holiday, the previous business day's information is used to determine the rate information.
+17.55%
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Purchase:
5.99%
Balance Transfer:
5.99%
Cash Advance:
19.8%
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Purchase:
19.8%
Balance Transfer:
19.8%
Cash Advance:
19.8%
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Purchase:
19.8%
Balance Transfer:
19.8%
Cash Advance:
19.8%
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| Annual Fees |
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$0 |
$0 |
$59 |
$59 |
Learn More |
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1 As long as you pay your bills on time. 2 Guaranteed Terms: To qualify for a Guaranteed MasterCard you must be at least the age of majority in your province of residence; live in AB, BC, MB, NB, NL, NS, ON, PE, or SK; not have an existing Capital One account, not have applied for a Capital One account within the last 65 days, or had a Capital One account that wasn't in good standing; and provide security funds, if required, by cheque or money order.
MasterCard is a registered trademark and PayPass and Tap & Go are trademarks of MasterCard International Incorporated.
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