Top Capital One Credit Cards

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  • Check User Averages

  •  
  • Monthly statement balance
  • Credit limit
  • Annual percentage
    rate
  • APR charges so
    far in 2012
  • Capital One
    Platinum MasterCard
  • $851
  • $1578
  • 17%
  • $201
  • Capital One
    Visa Platinum
  • $1242
  • $2794
  • 17%
  • $310
  • Capital One
    Visa Signature
  • $2640
  • $13459
  • 12%
  • $460

This information is based on anonymous, aggregated financial data from Check users. Last updated Jan 01, 2013.

What do these numbers mean for the average Capital One cardholder?

Statement balance

$1060

Capital One cardholders owe an average of $1060 each month on their credit card - less than the $1360¹ owed by the average American cardholder! Credit card companies have a grace period of between 20 and 50 days for the cardholder to pay for any purchases made. If the statement balance isn't paid in full in this time, interest may be charged. Check gives you at-a-glance access to your Capital One accounts - and all your other accounts! Never worry about missing another payment.

Tip: Pay your bill in full to protect your credit and avoid penalty APRs

Credit limit

$2648

A credit limit is the maximum amount a credit card company will allow a cardholder to put on a specific card. Capital One uses a variety of factors to choose a credit limit, ranging from credit score to income and assets.

Annual percentage rate

2%

The APR – generally the nominal annual percentage rate compounded monthly – is the interest rate that will be charged on any unpaid statement balance. Check will notify you if your APR changes. Make sure to pay your Capital One bill on time and your APR might decrease!

If only the $0 minimum payment on the $1060 average statement balance were paid, interest of $25 would be charged, for a new total payment due of $1085.

Interest charges

$248

A few dollars here, a couple cents there – APRs can add up quickly. So far in 2012, Capital One cardholders who paid late have paid an average of $248 in interest charges.

Sick of paying fees? Check will remind you when your bill is due, and let you know if Capital One charged you any additional fees!

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¹ http://www.consumerfinance.gov/pressreleases/consumer-financial-protection-bureau-aims-to-simplify-credit-card-agreements/


The above information is based on anonymous, aggregate data from Check users. Neither this website nor Check is affiliated with Capital One in any way and should not be confused with Capital One.