Benefits of Credit

Credit is convenient and offers benefits cash doesn't.

  • You're covered by our Zero Liability policy, which means that if your credit card is used without your authorization, you will not be liable for these charges
  • You can't replace cash, but it's easy to replace your Capital One® MasterCard®

Credit gives you added benefits that other methods of payment can't match.

  • Credit cards are great for renting cars, reserving hotel rooms, making Internet purchases and having emergency cash
  • You get a 25-day interest-free grace period when you pay your balance in full each month – giving you the extra time you need to pay back purchases
  • Plus, detailed monthly statements help you keep track of exactly how much you are spending and where


Find out what your credit report says about you! No surprises.