Capital one student credit cards
Capital One Financial Corporation is one of the leading banks in United States. It is a public company founded in the year 1995 with its headquarters in Virginia. Capital One provides finance and insurance related services. This bank specializes in credit cards, home loans, auto loans and other savings related products. In 2005 Capital One took over Hibernia National Bank and became the holding company. With the acquisition of Hibernia National Bank, Capital One entered into retail banking market. It also took over North Fork Bank in the year 2006. Presently, it provides employment to around 15,000 people and holds a very strong position in the banking industry.
As mentioned earlier, captial one student credit cards business is one of the major services provided by Capital One. Let us discuss some of the credit cards offered by Capital One especially for students.
*Capital One Platinum Credit Card:
This captial one student credit cards is especially for people with a limited credit history and those who cannot afford for a credit card of a high limit. People who come under this category are students, young people earning their living, person who is new to a place and such others.
This card offers a credit limit of $3000.
Current APR is 19.71%, which is variable.
$0 fraud liability in case the card is lost or stolen.
There are some requirements to be fulfilled if a person wants to take up a Platinum Credit Card. If they fail to do so, they are not eligible for the card. The requirements are:
1)Applicant should not possess any credit card on his name or must be having a captial one student credit cards for not more than 3 years.
2)Should have a limited credit history, which means he should be a student or a young person earning his living or should be authorized to use someone elses credit card.
3)Should have a valid credit score that can be available with any of the credit reporting companies.
Benefit of the Platinum Credit Card:
1)There is no annual fee.
2)Holder will get a Collision, Damage or Loss Insurance on rental cards.
3)You will get a Roadside Assistance lock-out service, towing and flat repair, which will be available 24 hours.
4)Automatic Travel Accident Insurance of $100,000 that is applicable worldwide.
5)If your card is lost or stolen, you will get an emergency card replacement or a cash advance.
6)You will get extended warranties on your purchases.
7)You can choose your own card design.
8)Online account servicing
9)No fee charged for balance transfers.
Citi mtvU Platinum Select Visa Card for College Students:
This captial one student credit cards is typically
for students only. There are several benefits associated with this card, which are offered keeping students in mind. Students can get points, reward and other benefits also.
Benefits of the card:
1)Students can get Thank You Points just by doing what a usual student does, like
Scoring good grades
Purchases at book stores, restaurants and other places.
Paying the bills on time and staying under the credit limit.
2)You can redeem your point for some wonderful rewards like
Gift Cards
Travel
Tickets to MTV Video Music Awards
VIP passes to mtvUs Spring Break
10% off on all the music, electronics and other purchases made at mtvshop.mtv.com.
3)There is no annual fee for this credit card.
4)0% APR on everything for first 6 months.
Note: Balance Transfer fee applies for this card.
Citi Platinum Select Visa Card for College Students:
Another captial one student credit cards especially for students which offers various benefits that are as follows:
Benefits of the card:
1)There is no annual fee.
2)0% APR on all the purchases, balance transfers and cash advances made in the first 6 months.
3)No minimum income requirement.
4)Card accepted at millions of places.
5)Can get huge discounts at some stores, which are only for students and only applicable if you use this particular card.
6)Help you to save money by controlling your expenditures by providing some useful tips and tools.
7)Manage your account online for free.
Discover Student Platinum Card:
This card also offers several benefits and is especially designed keeping student needs in mind. The benefits are as follows:
1)There will be no annual fee.
2)0$ APR on all your purchases and balance transfers for the first 6 months.
3)Access your account online.
4)Earn unlimited cash rewards on the purchases
5)By participating in Get More program earn upto 5% cash back on all the purchases you make in the first year.
6)If your total annual purchases exceed $3000, then you will be eligible for 1% cash back on every purchase made thereafter.
7)What more, rewards are even redeemable for cash and they dont have any expiration date as such.
Discover Student Clear Card:
This is another unique credit card for students which offer benefits such as:
1)No annual fee and 0$ APR on the purchases made in the first 6 months.
2)You can manage your account online.
3)Students can select the card design from 8 unique designs offered.
4)Other than the above benefits, you can get the cash back bonuses like Discover Student Platinum Card. All the cash back rewards of Discover Student Platinum Card apply to this card also.
Capital One Classic, Platinum and Premier Cards:
Bases on the flexibility they offer these cards are considered to be perfect for students.
Capital One Classic: In order to apply for this card you need to be above 18 years. It has an ARP of 34.9% currently and charges no annual fee. Offers complete flexibility of a credit card. It offers a credit limit of upto 2500.
Capital One Platinum: This card is for people with an excellent credit history. This card has an APR of 14.9% currently.
Capital One Premier: For those people who have a good credit history, this card is perfect. As of now it has an APR of 17.9%.
The difference between the Platinum and Premier cards is that one is for people with excellent credit history and the other is for people with only a good credit history. That is the reason why the APR is different for both these cards.
We have seen some credit cards offered by Capital One Financial Corporation especially designed for students. From the range of the cards available, it is clear that every student can benefit from them, as there is a card available for all your needs.
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