Capital One® Consumer Credit Card Offers

Capital One® Platinum - Visa

No balance transfer fees $39 annual fee This great rate can help you avoid higher interest payments while you work to lower your balance each month $0 Fraud Liability for unauthorized use if your card is lost or stolen 24/7 customer support and online account service Platinum Benefits including extended warranties, travel accident insurance, and 24-hour roadside assistance CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until December 2008* 8.90%* $39.00* N/A* Fair Credit*

Capital One® Platinum - MasterCard

Pay down balances faster with a low APR 0% on purchases until December 2008. - After that, a variable APR, currently 8.9% Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until December 2008* 8.90%* $39.00* N/A* Fair Credit*

Capital One® Classic Platinum Visa

0% on purchases until December 2008. After that, variable APR, currently 14.9% Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until December 2008* 14.90%* $19.00* N/A* Fair Credit*

Capital One® Classic Platinum - MasterCard

0% on purchases until December 2008. After that, variable APR, currently 14.9% Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until December 2008* 14.90%* $19.00* N/A* Fair Credit*

Capital One® Platinum Max

16.9% fixed on purchases for 3 years Fixed rate won't increase for 3 years no matter what $19 annual fee Exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One Saving Zone on Yahoo! Shopping (learn more) CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 16.90%* $19* Yes* Fair Credit*

Capital One® Platinum Prestige Visa

7.9% APR on purchases and balance transfers Your APR will not increase simply because you pay late only once or go over your credit limit No annual fee and no balance transfer fees CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 7.90%* None* Yes* Excellent Credit*

Capital One® Platinum Prestige

7.9% APR on purchases and balance transfers Your APR will not increase simply because you pay late only once or go over your credit limit No annual fee and no balance transfer fees CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 7.90%* None* Yes* Excellent Credit*

Capital One® No Hassle Points(SM) Rewards

5 points per dollar spent at gas stations, major grocery and drug stores 1 point per purchase everywhere else No limit on points earned and they don’t expire for the life of your account 0% on purchases until December 2008. After that, variable APR, currently 16.90% CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Purchases* until December 2008* 16.90%* $29.00* Yes* Needs Improvement*

Capital One® No Hassle Points(SM) Rewards

Earn 2 points per dollar spent at gas stations, major grocery and drug stores 1 point per dollar spent on all other purchases 13.9% APR on purchases and balance transfers Points won't expire for the life of your account and there's no limit to the number of points you can earn CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 13.90%* None* Yes* Excellent Credit*

Capital One® Standard Platinum Card

0% on purchases until December 2008. After that, variable APR, currently 19.8% No annual fee Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on purchases* until December 2008* 19.80%* None* Yes* Fair Credit*

Capital One® Platinum

Purchasing power without the frills—for customers with good credit 12.9% APR on purchases and balance transfers Platinum membership—$0 fraud liability, 24 hour roadside assistance, and more No annual fee and no balance transfer fees CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 12.90* None* Yes* Good Credit*

Capital One® No Hassle Cash Rewards

2% cash back on purchases at gas stations and major grocery and 1% cash back on all other purchases. No limit on cash back and rewards won’t expire for the life of your account 16.9% APR on purchases and balance transfers Request your cash back rewards whenever you want CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 16.90%* None* Yes* Good Credit*

Capital One® No Hassle Cash Rewards

2% cash back on purchases at gas stations and major grocery stores and 1% cash back on all other purchases. No limit on cash back and rewards won’t expire for the life of your account 14.9% APR on purchases and balance transfers Request your cash back rewards whenever you want CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 14.90%* None* Yes* Excellent Credit*

Capital One® No Hassle Cash Rewards

25% annual bonus on the cash you earn 1% cash back on every purchase 0% APR on purchases until December 2008. After that, variable APR, currently 16.9% No limit on cash back and rewards won’t expire for the life of your account Redeem cash whenever you want CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Purchases* until December 2008* 16.90%* $29* Yes* Fair Credit*

Capital One® No Hassle Miles Ultra - For Professionals

For professionals with excellent credit Earn 2 miles for each dollar spent on all purchases No blackout dates or seat restrictions No expiration date on miles and no limit on the miles you can earn 13.9% APR on purchases and balance transfers CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 13.90%* $39.00* Yes* Excellent Credit*

Capital One® No Hassle Miles Rewards

Earn miles 25% faster than regular miles cards—for customers with good credit Earn 1.25 miles for each dollar spent on purchases No expiration date on miles and no limit on the miles you can earn No blackout dates or seat restrictions 16.9% APR on purchases and balance transfers CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 16.90%* None* Yes* Good Credit*

Capital One® No Hassle Miles Rewards

For customers with excellent credit 13.9% APR on purchases and balance transfers Earn 1.25 miles for each dollar spent on purchases No blackout dates or seat restrictions No expiration date on miles and no limit on the miles you can earn CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 13.90%* None* Yes* Excellent Credit*

Capital One® No Hassle MilesSM Rewards for Travel and Gas

Earn 3 miles per dollar spent on travel and gas purchases Earn 1 mile per dollar for all other purchases No blackout dates or seat restrictions No expiration date on miles and no limit on the miles you can earn CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 13.90%* None* Yes* Excellent Credit*

Capital One® Standard Platinum for Students

0% APR on purchases until December 2008. After that, variable APR, currently 19.8% No annual fee or balance transfer fees A manageable credit line to help control your finances $0 fraud liability if your card gets lost or stolen Online account services CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until December 2008* 19.80%* None* Yes* Needs Improvement*

Capital One® No Hassle Cash(SM) Rewards for Students

25% annual bonus on the cash you earn during the year 1% cash back on purchases you make from day one No limit on cash back and rewards won’t expire for the life of your account 0% APR on purchases until December 2008. After that, variable APR, currently 16.9% CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until December 2008* 16.90%* $29.00* Yes* Needs Improvement*

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Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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