Capital One 0 Percent for 18 Months

Capital One varies their credit card offers through the year, so the Capital One 0% for 18 Months offer may or may not be available when you are ready to apply for a credit card. You may be able to negotiate for the rate if you are willing to make some changes in how you pay your credit card or if you accept a Capital One credit card with different features.

Goal: Capital One 0% for 18 Months

Credit card features may not change, but the interest rate and length of introductory offers can change over time. Common offers are a 0% introductory APR or a 0% APR on balance transfers. Either offer can be valid for six to eighteen months, or until the transferred balance is completely paid.

You can negotiate for a longer period on an introductory rate. You might be able to extend an introductory period from six to eighteen months.

Negotiate For a Better Offer

If you have a good credit score you may be able to negotiate with a Capital One customer service representative for a better interest rate or a longer introductory offer. If you have received an offer from Capital One, they have already checked your credit history and they may be willing to offer you a lower APR or extend a low rate or zero rate APR for a longer period of time.

If you are looking for a Capital One 0% for 18 Months offer, you should start by identifying a card they offer with a 0% APR introductory period. From that point, you can negotiate a longer introductory period. Here are some ideas to propose:

• Offer to set up an automatic payment plan – The minimum balance owed on your account would be deducted automatically from your checking account each month on your credit card’s payment due date.
• Ask for a different card – Not all Capital One credit cards have the same features. You may be able to get a better interest rate if you are willing to accept a credit card with fewer or different features. For example, if you are willing to give up mileage or cash rebates, you might be able to extend your 0% APR introductory period.

Common Capital One Introductory Offers

Capital One offers credit cards with a wide variety of features. Some cards are designed for people who like to earn rewards based on the amount of their purchases. Other cards are for people who are not interested in rewards but who want to have a low APR.

The Capital One credit cards listed below have been offered with a 0% APR introductory offer. You should call Capital One to verify the current offers.

Cards with Reward Miles

Capital One No Hassle Miles Rewards

Designed for people who are looking for a card with:

• 0% APR on purchases during an introductory period, followed by a low, variable APR
• A 1.25 mile reward for each dollar spent – 25 percent more than regular mileage cards.
• No airline restrictions – Fly any airline, anytime with no blackout dates or seat restrictions.
• Miles that don’t expire – There is no limit on the miles you can earn.
• No annual fee

Capital One No Hassle Miles Ultra

This card has an annual fee but it is a good reward card if you accumulate a lot of travel time.

• 0% APR on purchases during introductory period, followed by a low, variable APR
• Earns two miles for each dollar spent – Twice the reward of most mileage reward cards.
• No airline restrictions – Fly any airline, anytime with no blackout dates or seat restrictions.
• Miles that don’t expire – There is no limit on the miles you can earn.
• $39 annual fee

Cards with Cash Back Rewards

Capital One No Hassle Cash Rewards

This card rewards you with cash and a cash bonus based on the amount of your purchases:

• 0% APR on purchases during introductory period, followed by a low, variable APR
• Earn 1% cash back on all your purchases
• Earn a 25% annual bonus on the cash rewards you earn during the year
• Request cash-back rewards whenever you want
• No annual fee

Capital One No Hassle Cash Rewards

This card has an annual fee and a slightly higher APR. It is designed for those with limited credit histories.

• 0% APR on purchases during introductory period, followed by a low, variable APR
• Earn 1% cash back on all your purchases
• Earn a 25% annual bonus on the cash rewards you earn during the year
• Request cash-back rewards whenever you want
• $29 annual fee

Card with a Low APR

Capital One Platinum Prestige

This card is an excellent choice for those who might want to consolidate their credit cards onto one card with a low variable rate APR.

• 0% on purchases and transfers during introductory period, followed by a low variable APR
• APR will not increase because of one late payment
• $0 annual fee

Cards For Those with a Limited Credit History

You can still have a credit card with a 0% introductory APR, even if you are new to credit.

Capital One Platinum

This card has an annual fee, but it has a low APR after the introductory 0% APR. It also offers no charge for transfers from other credit cards.

• 0% APR during introductory period, followed by a low variable APR
• $0 balance transfer fees
• $0 fraud liability for lost or stolen cards
• $39 annual fee

Capital One Classic Platinum Visa

This card has a smaller annual fee, but it has a higher APR than the Capital One Platinum card.

• 0% APR during introductory period, followed by a mid-range variable APR
• $0 balance transfer fees
• $0 fraud liability for lost or stolen cards
• $19 annual fee

Capital One Standard Platinum

This card has no annual fee, but it has a slightly higher APR after the introductory period and there is a balance transfer charge.

• 0% APR during introductory period, followed by a low variable APR
• $0 fraud liability for lost or stolen cards
• $0 annual fee

Application Is Easy and Fast

You can apply for a Capital One credit card online or speak to a representative by calling 800-695-5500.
[tag]APR,credit-card[/tag]