Capital One World Credit Card
If you have a good credit history then this is the card for you. The Capital One World MasterCard has strict eligibility criteria -you must have had credit cards in the past, be earning £20k+ per annum, a home owner and over the age of 21. If you meet the criteria then you're in luck, the World MasterCard offers 1% unlimited cash back on all purchases. There's also no interest to pay on purchases so long as you pay in full the outstanding balance by its due date.
The Capital One World MasterCard is easy to manage with the online account feature. You can pay your bill, set up direct-debits and even create monthly alerts that email you a reminder when your payments are due. The credit card also comes with free Purchase Protection Insurance which means you are covered against theft, damage or loss for up to 100 days after purchase.
Owning a World MasterCard also allows you access to the Capital One eXtras portal which offers its members discounts on a number of online and offline retailers across the UK.
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Capital One World Mastercard Details
| Standard Rate: | 19.9% Representative APR (variable) |
| Balance Transfer Deal? | % APR |
| Purchases Deal? | 0% APR for six months |
| Introductory Cashback | |
| Standard Cashback | 1% on all purchases, unlimited |
| Annual Fee: | 18 |
| Interest Free Period: | Up to 45 days |
| Minimum Repayment: | 1% of the balance plus any charges, fees and interest |
| Minimum Credit Limit: | £4000 |
| Maximum Credit Limit: | £7500 |
| Minimum Applicant Age: | 21 |
| Minimum Anual Income: | £20,000 |
| Notes: | Earn unlimited cashback on all purchases |
| Representative Example: | Assumed borrowing of £1200, representative 19.9% APR (variable). Purchase rate 19.9% PA. |
In Brief:
- Unlimited Cashback - Get 1% cashback on all purchases.
- 19.9% Representative APR (Variable)
- Annual Fee: £18
- £10 credit bonus every January
- Identity Theft Protection - 24/7 Assistance if your ID and/or credit cards are stolen.
- Online account management - Pay your bills online and switch to paperless statements.
- Purchase protection insurance - Protection against theft, loss and damage for up to 100 days after purchase.
- Free Equifax credit reports - Check your credit rating online whenever you want.
- Capital One eXtras - Get discounts on top named brands with Capital One's members only portal.
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