Capital One Platinum MasterCard

Regular APR: 16.90%
Introductory APR: 0% (Until 5/2010)
Annual Fee: $0
Card Strength: Miles
Credit Needed: Good

Get the Capital One Platinum MasterCard and earn up to 25% more miles than competing miles credit cards.

  • Earn 1.25 miles for each dollar spent on purchases
  • No limit on the miles you can earn and miles don’t expire
  • No annual fee

Intro Offer Rack up rewards faster than other miles cards
Interest Rate 0% APR until May 2010 on purchases

16.90% variable on purchases
Balance Transfer Regular APR

No balance transfer fees
Cash Advance 24.90%

Cash Advance Fee: 3% of advance, but not less than $10
Rewards Details

  • 1.25 miles for every dollar spent on purchases
  • No limit on the miles you can earn and miles don’t expire
  • No blackout dates and no seat restrictions
  • Use miles for Travel, Merchandise, Gift Cards and more
  • Book travel with any airline, hotel, cruise line, or rental car company

Other Fees Late Payment Fee based on amount of account balance when fee is applied.

  • $0 – $99.99 = $15 fee
  • $100 – $249.99 = $29 fee
  • $250 or more = $39 fee
  • Over-Limit Fee based on amount of credit limit when fee is applied.
  • $0 – $499.99 = $19 fee
  • $500 – $999.99 = $29 fee
  • $1,000 or more = $39 fee.

Online Account Management 24/7 customer support and online account service
Consumer Protection

  • $0 Fraud Liability if your card is lost or stolen
  • Travel Accident Insurance
  • 24-Hour Travel and Emergency Assistance
  • Emergency card replacement or cash advance

In Short: More miles per dollar than most airline miles cards


MTV Visa

Regular APR: 16.90% Variable
Introductory APR: 0% APR Until 5/2010
Annual Fee: $0
Card Strength: MTV Rewards
Credit Needed: Good
16.90% variable 0% APR until May 2010 on purchases $0 Points Good

Having fun is even more rewarding when you get points for all of the purchases you make.

  • 0% intro APR–pay no interest on purchases until May 2010
  • Earn rewards on entertainment, dining, and all of your other purchases
  • Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings

Intro Offer 0% APR on purchases until May 2010
Interest Rate 0% APR until May 2010 on purchases

16.90% variable on purchases
Balance Transfer Regular APR
Cash Advance 24.90%

Cash Advance Fee: 3% of advance, but not less than $10
Rewards Details

  • Earn 5 points per $1 spent on entertainment like music, movies, video game rentals, and sporting events
  • Earn 2 points per $1 spent at restaurants, fast food places, and coffee shops
  • 1 point per $1 spent on everything else
  • 25 bonus points each billing period you keep your account in good standing by paying on time
  • 25 bonus points each billing period you keep your account in good standing by paying on time
  • Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings
  • Choose from 4 unique MTV card designs or create your own image card
  • Credit and financial education

Online Account Management 24/7 customer support and online account service
Consumer Protection

  • $0 Fraud Liability if your card is lost or stolen
  • Travel Accident Insurance
  • 24-Hour Travel and Emergency Assistance
  • Emergency card replacement or cash advance
  • Auto rental insurance

In Short MTV Rewards and Events as well as points


Orbitz Visa Platinum

Regular APR: 16.9% Variable APR
Introductory APR: 0% APR
Annual Fee: $0
Card Type: Visa
Bank: Capital One Bank
Credit Needed:
16.9% variable APR 0% APR until May ’10 on purchases $0 Points Good

Intro Offer 3 points per $1 spent on eligible Orbitz bookings & 1 point per dollar on all other purchases
Interest Rate 0% APR until May ’10 on purchases

16.9% variable APR on purchases
Balance Transfer Regular APR
Cash Advance 24.90%

Cash Advance Fee: 3% of advance, but not less than $10
Rewards Details

  • 3 points per $1 spent on eligible Orbitz.com bookings
  • Bonus points on eligible Orbitz.com bookings
  • 1 point per $1 spent on regular purchases
  • 3 times the rewards than any other card on eligible Orbitz.com bookings
  • No limit to the points you can earn and your points won’t expire
  • Redeem for Travel, Merchandise, Gift Cards and more

Other Fees Late Payment Fee: $15/$29/$39 depending on account balance.

Over-Limit Fee based on amount of credit limit when fee is applied.

  • $0 – $499.99 = $19 fee
  • $500 – $999.99 = $29 fee
  • $1,000 or more = $39 fee.

Online Account Management 24/7 customer support and online account service
Consumer Protection

  • Auto rental insurance
  • 24-hour roadside assistance
  • Extended warranty program

Bottom Line Earn points for everyday purchases


Capital One Platinum

Earn 25% more than regular mileage cards. Get a competitive APR, flexible rewards, and great benefits for your excellent credit.

  • 1.25 miles for every dollar spent on purchases
  • No limit on the miles you can earn and miles don’t expire
  • No annual fee

Intro Offer Fee-free card with more mile rewards than average
Interest Rate 0% APR until May 2010 on purchases

13.90% variable on purchases
Balance Transfer Regular APR

No balance transfer fees
Cash Advance 24.90%

Cash Advance Fee: 3% of advance, but not less than $10
Rewards Details

  • * 1.25 miles for every dollar spent on purchases
  • * No limit on the miles you can earn and miles don’t expire
  • * No blackout dates and no seat restrictions
  • * Use miles for Travel, Merchandise, Gift Cards and more
  • * Book travel with any airline, hotel, cruise line, or rental car company

Grace Period 25 days from the date of the periodic statement on new purchases (provided you have paid your previous balance in full by the due date)
Other Fees Late Payment Fee based on amount of account balance when fee is applied.

  • $0 – $99.99 = $15 fee
  • $100 – $249.99 = $29 fee
  • $250 or more = $39 fee
  • Over-Limit Fee: $0

Online Account Management 24/7 customer support and online account service
Consumer Protection

  • $0 Fraud Liability if your card is lost or stolen
  • Travel Accident Insurance
  • 24-Hour Travel and Emergency Assistance
  • Emergency card replacement or cash advance

In Short 1.25 miles for every dollar you spend on purchases