Elite Rewards Platinum Plus MasterCard

No Annual Fee. No Program Fee.
Earn one point for every purchase dollar
Earn Bonus Points for every dollar you spend at participating merchants

2.9% Annual Percentage Rate (APR)† for Cash Advance Checks and Balance Transfers.*

CREDIT LINE UP TO $100,000 WITH PLATINUM PLUS® CARD.

You spoke, and we listened. We designed the new Elite Rewards® Platinum Plus® MasterCard® credit card to feature one of the most comprehensive rewards programs on the market. There has never been a better opportunity for you to go anywhere you want or get virtually anything you want with a credit card rewards program.

Here are the facts:

• No Annual Fee. No Program Fee.
  
• Earn one point for every purchase dollar in net retail purchases you spend with your new Elite Rewards® Platinum Plus® MasterCard® credit card.§
  
• Receive 500 Bonus Points after first retail purchase.§§
  
• Earn Bonus Points for every dollar you spend at participating merchants.§§§§
  
• Check your Elite Rewards points balance, view rewards, and redeem points online at www.eliterewards.com.
  

• Fly on major U.S. based airlines, no blackout dates.
  
• Enjoy hotel stays and AVIS® car rentals.
  
• Receive gift certificates/cards redeemable at top retailers and restaurants.
  

DID YOU KNOW?

	Capital One is one of the leading providers of Visa cards in the world. Fortune Magazine ranked Capital One number four on their list of America's most admired companies for consumer credit. Capital One offers a variety of different cards for business owners, students, people with poor or damaged credit, and people with excellent credit. If you're a student or you are applying for your first credit card, the Capital One Platinum card may be right for you. Most credit card companies consider you "new to credit" if you've never had a card or you've had your card for less than three years. The Platinum card from Capital One allows you to build your credit over time. Your credit line starts out low, and increases with consistent payment and responsible credit management. Capital One offers several different "No Hassle" cards for people with excellent credit. Your credit is considered "excellent" if you've never declared bankruptcy, you consistently pay your bills on time, and you have a credit card with a limit that exceeds $10,000. Capital One believes in rewarding customers generously for their excellent credit through bonus miles and cash back incentives you won't find from any other credit card company. The "No Hassle Cash Rewards" card offers you a three percent return on grocery and gas purchases, and a one percent return on all other purchases. Capital One is one of the only companies to allow you to use your miles for any airline with no blackout dates. The "No Hassle Miles Ultra" card is ideal for business travelers, and even offers two miles for every dollar you spend.

It is all too easy to find yourself in the traps of credit card debt. Those shiny, plastic pieces of money are easy to obtain and even easier to spiral out of control. The best way to establish good credit is through responsible financial habits that free you from high debt and leave you open to extra money if you need it. There are many tips that can help you keep a handle on plastic spending.

Nine Tips to Avoiding Credit Card Debt

When you are choosing a credit card only accept a card that offers a low interest rate. This is the most important factor in how fast your balance will rise. If possible, opt for cards with either low annual fees, or none at all.

To keep yourself out of debt, only charge what you can pay off in full each month. If you can't pay your balance in full, make sure to make the largest payment that you can comfortably afford.

Never, ever miss a card payment, period.

It may be tempting to use your card for a cash advance, but these advances come with huge interest rates and extra fees. They are never worth it in the long run.

Avoid cash advances

If you want the ease of carrying a card instead of cash, but don't want to get in over your head, opt for a debit card from you bank instead. These cards look and feel just like a Visa or MasterCard, but they are simply a bank card that deducts your purchases straight from your bank account. You pay as you go, and never get stuck with high monthly bills.

Create a credit card budget for yourself and stick to that budget. Don't go over your allotted budget amount no matter how tempting extra purchases may be.

Switch your current cards to lower-interest credit cards to decrease credit card debt.

Ask for a low credit limit, to ensure that your credit card debt will not rise above a certain point. As your income rises and your bills decrease, allow yourself to ask for a larger limit.

If you simply can't afford to charge any more on your card, leave it at home and do not tempt yourself into thinking that you may be able to pay more than you know you can.