The Capital One® Platinum Credit Card is a no-frills, no-annual-fee credit card designed for consumers who wish to build their credit. Although it’s not a secured credit card and thus doesn’t require an upfront deposit, it has a fairly high regular APR and comes with a low initial credit limit. However, when used responsibly, the Capital One Platinum is a useful bridge to higher spending limits and more generous rewards credit cards.
The Capital One® QuicksilverOne® Cash Rewards Credit Card is a cash back credit card that charges a $39 annual fee and earns a flat, unlimited 1.5% cash back on all purchases. Cash back rewards can be redeemed for a variety of cash equivalents, including paper checks and statement credits.
It is worth noting that although Capital One QuicksilverOne comes with an introductory purchase APR period and some nice cardholder perks, it’s among a relative handful of cash back credit cards without a sign-up bonus. On the other hand, this card has unusually lax credit requirements – prospects with average credit are welcome to apply. If you make timely, in-full payments for at least 5 months following approval, you’re rewarded with a higher credit limit.
The Capital One® VentureOne® Rewards Credit Card is a travel rewards card with no annual fee and a straightforward, easy-to-understand rewards system. Every $1 you spend with the VentureOne card earns 1.25 rewards miles, every day, no matter how much you spend or what you buy. You can redeem your accumulated miles, which are always worth the same at redemption, for virtually any travel purchase.
The Capital One® Quicksilver® Cash Rewards Credit Card is a popular cash back credit card that pays a flat, unlimited 1.5% cash back rate on all purchases and doesn’t charge an annual fee. Like many fellow cash back cards, it boasts a nice sign-up bonus, a special introductory APR promotion for purchases and balance transfers, and some other user-friendly perks.
Quicksilver is comparable to a number of other cash back cards, most of which also lack annual fees. Popular alternatives include members of the Discover it family, Chase Freedom, Citi Double Cash, BankAmericard Cash Rewards, Barclaycard CashForward, and American Express Blue Cash Everyday. Quicksilver is very similar to its Capital One cash back stablemate, QuicksilverOne, which is easier to qualify for and offers similar cash back benefits, but comes with a $39 annual fee and higher interest rates.
The Capital One® Venture® Rewards Credit Card is a popular travel rewards card with a $59 annual fee (waived the first year) and a very straightforward rewards system. Every $1 spent with this card earns 2 miles, and miles can be redeemed at a set rate for a range of travel purchases.
The Capital One Venture Rewards Card is just one of many general-purpose credit cards. It’s comparable to its stablemate, the VentureOne Rewards Card, which is a no-annual-fee version of the Venture card, but with some notable differences. It also competes with non-Capital One cards with annual fees ranging from $50 to $100: Chase Sapphire Preferred, Barclaycard Arrival Plus, Expedia+ Voyager, the United MileagePlus Explorer, British Airways Visa Signature, Alaska Airlines Visa Signature, Gold Delta SkyMiles, and Citi Platinum Select/AAdvantage. Annual-fee-free competitors include Discover it Miles, BankAmericard Travel Rewards, and the Expedia+ Card.
Student loan debt can be overwhelming, especially for graduates who enter industries that end up not paying all that well. If you find yourself having trouble making your student loan payment – or if you just want to speed up the process of getting rid of the debt – it’s worth considering debt repayment, forgiveness, and cancellation programs.
These programs, which help reduce or eliminate student loan debt in exchange for your services and expertise, frequently involve working in under-served communities. For those who give back to society, the following programs can give a little bit back to you.
The JetBlue Card is a no-annual-fee airline credit card backed by Barclaycard. Its rewards program accelerates cardholders’ TrueBlue (JetBlue loyalty point) earnings on JetBlue flights and at restaurants and grocery stores. It has a few other perks up its sleeve too, including deep discounts on in-flight purchases.
If you live in a city that’s well-served by JetBlue and don’t love the thought of paying an annual credit card fee, the JetBlue Card is worth your attention. On the other hand, if you’re a serious traveler who’s fiercely loyal to JetBlue and protective of frequent-flyer perks, the JetBlue Plus Card or JetBlue Business Card might be more appropriate.
The NFL Extra Points Credit Card, issued by Barclaycard, is a cash back credit card with no annual fee. It’s designed to reward NFL fans for their loyalty through accelerated cash back earnings on NFL and team purchases, discounts at the NFL’s official Internet shopping portal, and special financing on NFL ticket purchases. It also provides a reasonable cash back rate on general spending and has a solid sign-up bonus worth $100.
The Barclaycard® Ring MasterCard® is a low APR credit card with very favorable interest rate terms (one of the lowest regular APRs of any U.S. credit card) and an innovative social community component that’s not widely seen in the low APR category.
Ring cardholders have the opportunity to voice their opinions and vote on changes to card terms and conditions through an online social community. They also have closer access to staff members – including the product head in charge of Ring and the card’s community managers – than just about any other credit card community. Though Ring doesn’t have a traditional rewards program, its Giveback profit-sharing program does offer the possibility of financial rewards for cardholders.
Risk and reward are inextricably intertwined, and therefore, risk is inherent in all financial instruments. As a consequence, wise investors seek to minimize risk as much as possible without diluting the potential rewards. Warren Buffett, a recognized stock market investor, reportedly explained his investment philosophy to a group of Wharton Business School students in 2003: “I like to go for cinches. I like to shoot fish in a barrel. But I like to do it after the water has run out.”
Reducing all of the variables affecting a stock investment is difficult, especially the following hidden risks.