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Snowflake

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Snowflake
Compare (17)
You've selected 17 cards for comparison. Click on "Compare" link to go to the full comparison list.
Bank: American Express
Card Network: American Express
User Category: Everyday Consumer Card
These credit cards are for the average consumer who needs a credit card for personal use.
Card Type:
Issuing Country: United States
Minimum Credit Needed:
Minimum credit history required to be eligible for this credit card.
If your credit is less than the minimum required, DO NOT APPLY for the card.

Good Credit
You can apply if: you missed a couple of payments a while back, your credit history is not long, or you declared a bankruptcy in the past, but now you manage your credit(s) perfectly, which cancelled out past credit troubles.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Excellent Credit
You can apply if: you have not been late on any credit card or loan in the last year and make timely payments, you have long lasting credit history and high credit limit; you have never declared a bankruptcy or defaulted loan.

This credit offer is only for people with Excellent credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Not sure about your credit history?
Check now

Unfortunately, we don't currently offer online application for this card.

However, our experts has matched very similar credit card offers, which might be just as good or better!

Snowflake

Snowflake
Intro APR on Purchases
Often a credit card issuer will offer a low or zero percent APR on purchases for a limited time, known as an introductory period. This promotional period may last anywhere from three months to 21 months and will remain in effect as long as all payments are made on time, the credit limit is not exceeded, and all conditions of the card are met. If a customer goes into default, the introductory period will no longer apply. After the period ends, the regular ongoing APR will apply to any balance carried.
0% (12 months) 0% (14 months) 0% (21 months)26 0% (until January 2016) ()
Intro APR on
Balance Transfer
An initial low rate, often a zero-percent rate, will be offered for balance transfers on many credit cards. If payments are made on time then the introductory rate will last for the full advertised amount of time, which may be anywhere from three to 21 months. After the introductory period, the regular APR will go into effect.
n/a 0% (14 months) 0% (21 months)26 0% (until January 2016) ()
Ongoing APR
The ongoing APR is the annual percentage rate that is charged on purchases and balance transfers after any introductory offer expires. It may be variable or fixed, and the ongoing APR often varies depending on a customer's credit rating and payment history.
11.9% - 19.9% (Variable) 10.99% - 22.99% Variable± 12.99% - 22.99% (Variable) 12.9% - 22.9% (Variable) n/a
Annual Fee
A fee charged by a credit card company each year for use of a credit card. Most banks have credit cards without annual fee. Annual fee may range from zero dollars to several thousand dollars, depending on the credit card offer. Certain types of credit cards, for example credit cards that offer frequent flyer miles as a reward, always come with an annual fee. Other types of credit cards, for example credit cards that offer cash back as a reward, usually have no annual fee.
$0 $0 $026 $0 $0
Rewards Program
Get bonuses like points, miles, or cash back with credit card rewards programs.
Points Rewards Cash Back Cash Back

Not Sure Which Card to Choose? Ask Our Experts!

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About Snowflake Card:
  • Probably the best way to make the holidays unforgettable.
  • Fee FREE after purchase.
  • No lost values.
  • Exceptional discounts at participating merchants.
Card categories:
The highlighted features are those that applicable to each credit card. For more details, see the table below.
0% Intro APR
on Purch.
Shop interest-free for the entire promotional period with a 0% intro APR on purchases.
0% Intro APR
on Bal. Tr.
Pay no interest on balance transfers during the introductory period with a 0% Intro APR on balance transfers.
Rewards
Program
Get bonuses like points, miles, or cash back with credit card rewards programs.
$0 Annual
Fee
With no annual fee, you'll have no yearly charge for using your credit card.
Reporting to
Credit Bureaus
This means that the card's issuer will share information about your credit card use with the major credit bureaus - Experian, TransUnion, and Equifax.
Instant
Decision
Apply for the card and get a response in 60 seconds.
Guaranteed
Approval
Approval is guaranteed when you apply for this credit card.
No Activation
Fee
With a $0 activation fee, you pay nothing to activate your credit card.

± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.

  • CreditLandCom
    If you check out the Horizon card terms and conditions, you will find the telephone number for cancellation and refund requests - 1-800-251-6144 - and a number for Customer Advocacy - 1-800-837-4997.
  • Rafael Espinoza
    I apply for a credit card and I have not received it yet it's been almost 15days..??
  • CreditLandCom
    If you are approved for a credit card, you should receive your credit card by mail within about 7-10 business days. If you do not receive your credit card, you should contact the credit card issuer directly.
  • Dora Ronan
    At first sight you may think that the Buypower card has an amazing rewards system but that is not. My friend used this card to buy a GM car and when it came to buying a car he could not redeem all of his earnings towards the car. It appeared that there was a max redemption limit.
  • Heather W.
    It looks like you friend used the card quite a while ago, now Buypower card does not have redemption limits. Capital One removed them. Now you can use all earnings toward a new car, what I recently did.
  • Costello
    So, I can only use my earning to buy a new car?
  • CreditLandCom
    That is the main redemption option. Cardmembers can use earnings for down payment, redeem against purchase price or use earning for card upgrades like leather seats, premium sound system and more.
  • Den Chantee
    If I get an additional credit card for my daughter, will this card get earning as well?
  • David
    If in this quarter Discover gives 5% cash back on gas purchases and 1% on other purchases, how many rewards will I earn if I make a purchase on Discover Deals?
  • CreditLandCom
    You will earn Discover Deals rewards, as long as you signed up into discover.com/deals and followed the instructions to receive the offer, and you will earn your regular rewards. If you are signed up for a 5% Cashback Bonus, you will earn it as well.
  • CreditLandCom
    Yes, it will. All credit cards issued under your BuyPower card account (including authorized users) will earn earnings for all purchases.
  • Jeric Cabal Estoesta
    Not an extreme deal breaker but... yeah there is an enrollment fee even though I did select the tab for cards without one.
  • CreditLandCom
    Is it some of our pages which got you confused?
  • Mary Mack
    I applied with the credit score of 750 and was accepted. They approved me for 12k credit limit. I used card for balance transfers and for some minor purchases. When I received my first statement I was surprised to see that my score went to 802! Still use this card to earn cash back and recommend to everyone.
  • James Amos
    Don’t really understand how I can redeem cashback
  • Michael Thomas
    I prefer using online account when I want to pay with my cashback bonus. It is easy and fast and you can see all available options to redeem. My favorite option is paying for my purchases at Amazon but sometimes I deposit it to my bank account as cash.
  • Jennifer Klitchko Butterfield
    rip off!
  • Alice laroza
    Icheck out my credit score and what I saw was a horizon gold master card I never recieved one in the mail could you please help me
  • CreditLandCom
    Can you share with us your experience with this card and why do you think it is a rip off?
  • CreditLandCom
    You should contact the Horizon Card Services at 1-800-251-6144 to request your card or to cancel it. If you have some particular questions about this card, you should contact the Horizon Card Services as well.
  • Michelle
    I discovered transaction on my Discover card that I did not authorize. What should I do?
  • CreditLandCom
    You should contact Discover to report about unauthorized charge to your credit card. The bank will investigate the issue and if it is determined that the charge is not authorized, Discover will reimburse you.
  • Ismael Dominquez
    Discover reimbursed all fraudulent charges when I lost my card. I noticed that my card is lost only in a couple of days and call Discover right away. They assured me that I’m not eligible for the fraudulent charges and sent me a new card. All fraudulent charges were removed and money where back.
  • Addi
    Am could u shop in stores with the card
  • CreditLandCom
    With the Horizon Gold card you can shop at thehorizonoutlet.com only.
  • john t
    i have lost my horizon card and nned to know how to get a new one or how to get he number so that i can continue to make purchases at the online outlet store
  • CreditLandCom
    This card doesn’t have foreign transaction fee, so you won’t see big fees on your statement if you make a purchase abroad. If you lose this card while on your trip, you will only need to reach Capital One’s Travel Assistance Service to get a replacement card or cash advance. The service is available round the clock.
  • AntonioM43
    So, I will earn 1.5% cash back on absolutely any purchase, is that true?
  • Richard Regina
    Account ending 9137 what is the balance?
  • Taylor Sharpe
    Yep, I use this card wherever I want and get 1.5% back. No tricks here.
  • Robert Hulbert
    I rented a car and had an accident and damaged the car but I didn’t buy the damage waiver offered by the rental company. Will I get covered if I paid for the car with my Capital One Platinum card?
  • CreditLandCom
    Sign in to your Fingerhut account to check the balance. If for some reason you cannot access your account, you should contact them at the number shown on the back of your card or via contact center at their website.
  • Castleman_Richard
    I had the same situation and the bank covered everything without any problems. Thanks god the damage wasn’t serious
  • CreditLandCom
    You can request a new card by contacting the Horizon Card Services at 1-800-251-6144.
  • Anna Vang
    I get a credit card with $300 credit limit, how long should I wait before it can be increased?
  • CreditLandCom
    The bank can increase your credit limit after you make five minimum payments in row and on time.
  • James Penland
    I heard that MasterCard has price protection program, does it work for this card?
  • David M. Richards
    Can I change the date of monthly payments, move it to the second half of the month?
  • CreditLandCom
    The price protection is available to all MasterCard cardholders. If you find a lower price for a new item within 60 days from the date of purchase, you may be covered the price difference. The coverage is capped at $250 per claim and you can use this benefit only 4 times per year. Also, MasterCard does not cover items which are advertised in limited quantity, closeouts, going out-of-business sales, or as discontinued.
  • CreditLandCom
    Yes, you can. For that you should contact Credit One’s customer service at the number shown on the back of your credit card. A new payment due date can be 6 days earlier or 6 days after the original payment due date. You can change your payment due date once in a 6 months period.
  • Joseph
    Can use this card with Apple Pay? If yes, where can I use it?
  • CreditLandCom
    This card and all Capital One’s US-issued credit or debit cards can be used with Apple Pay. Not all devices have Apple Pay though. This feature is available on iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3. The merchants which accept Apple pay have a contactless payment symbol at the point of sale. You can also check out participating Apple Pay merchants at apple.com.
  • AlbertGreenfield
    How fast can use my cash back?
  • paulbrown3
    I had problems with automatic payments on my previous credit card, there were some charges I didn’t authorize… Now I want to apply for Capital One Platinum card and wanted to know if anyone uses automatic payments on this card?
  • JOERUNNELSL
    Will this card help me improve my credit history?
  • CreditLandCom
    Cash back can be redeemed for any amount and whenever you want. You can even set up automatic redemptions to get your cash back at a set time or when a specific amount is reached.
  • DMYLES12
    I use automatic payment on my Platinum card and never had such issues. The payments are charge correctly and without delay.
  • JJMorison
    I’ve been using this card for five months already and my credit score raised by 42 pts. The point is not to mess up your payments. If you make payments on time, you’ll be on the top and, what I like the most, you’ll get credit limit increase. Ideal card for me so far.
  • Irene R. Harnois
    I’m often on the road trips and wanted to get a credit card to save on gas purchases. I wonder if this card will be good enough… anyway does anyone use it for gas? Is it any good?
  • W_Walter
    How to add my Capital One credit card to Apple Pay?
  • CreditLandCom
    Take a picture of Capital One credit card or enter card info manually and then verify your card. If you have Capital One Wallet installed on your device the verification process will be quicker.
  • Veronica
    Does Capital One limit the amount of cash back I can earn? I’m going to make a big purchase and I want to be sure I will get cash back for the entire purchase amount.
  • Adam
    If you want to get a separate credit card for your gas expenses, than this can be a good option because it will reward you only for gas purchases. So, you may not want to get other purchases as they do not earn cash back. The 1% cash back is not big, but if your credit is not good it pays off.
  • CreditLandCom
    Capital One does not set limits on the amount of cash back you can earn. You will get your 1.5% cash back on every purchase with no limits.
  • Zambrana-Ella
    Do I have to register to earn points using this card? My friend has a rewards card and he has to sign up each quarter to earn more points.
  • CreditLandCom
    No. This card does not require quarterly sign-ups and there are no rotating categories. You will earn 2 points on gas, groceries and utility purchases, and 1 point on all other purchases.
  • Susan_AS
    What is ‘AVERAGE/Fair/Limited’ credit? What does it mean?
  • Gayla B. Bird
    I got this card to rebuild my credit and 1% cash back was a good bonus. I do not use my car often but enough to cover the annual fee with cash back I earn.
  • CreditLandCom
    This indicates what credit you should have to qualify for this card. In other words you can qualify for this card if your credit history is less than three years or if you have defaulted on a loan in the past five years.
  • Catalina
    What is the minimum credit line for this card?
  • Denise
    Does anyone manage Capital One’s cards via mobile? Any hassles with account access?