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  Capital Bank Visa® Platinum Rewards Credit Card
Capital Bank Visa® Platinum Rewards Credit Card Unaffiliated

Capital Bank Visa® Platinum Rewards Credit Card

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Highlights
Purchase APR 9.99% - 19.99%
Balance Transfer APR 9.99% - 19.99%
Credit Score Range 600 - 850
Annual Fee $0

Capital Bank Visa® Platinum Rewards Credit Card Review

This is a credit card issued by Capital Bank. If you're wondering whether Capital Bank Visa® Platinum Rewards Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. Capital Bank Visa® Platinum Rewards Credit Card has a variable purchase APR that ranges from 9.99% up to 19.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Capital Bank Visa® Platinum Rewards Credit Card charges a fee of 3% on balance transfers, if you transfer the balance within 365 days of opening the account. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Capital Bank Visa® Platinum Rewards Credit Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Considers applicants with fair credit.
  • Capital Bank Visa® Platinum Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee, if you transfer the balance within 365 days of opening the account.
Capital Bank Visa® Platinum Rewards Credit Card FAQ

Does Capital Bank Visa® Platinum Rewards Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

What are the Capital Bank Visa® Platinum Rewards Credit Card benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Capital Bank Visa® Platinum Rewards Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Capital Bank Visa® Platinum Rewards Credit Card has a variable purchase APR that ranges from 9.99% up to 19.99%. The card has a variable balance transfer APR that ranges from 9.99% up to 19.99%. It also has a variable cash advance APR of 21.99% .

Does Capital Bank Visa® Platinum Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Capital Bank Visa® Platinum Rewards Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Fee Intro Period 365 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 9.99% - 19.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Capital Bank Visa® Platinum Rewards Credit Card have an intro APR offer on new purchases?

Capital Bank Visa® Platinum Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 12 months.

What are the fees for Capital Bank Visa® Platinum Rewards Credit Card?

The following fees apply:

  • There is no overlimit fee
Capital Bank Visa® Platinum Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $40
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Capital Bank Visa® Platinum Rewards Credit Card have a foreign transaction fee?

Capital Bank Visa® Platinum Rewards Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the support contact email for Capital Bank Visa® Platinum Rewards Credit Card?

The support contact email for Capital Bank Visa® Platinum Rewards Credit Card is contactgroup@chemungcanal.com.

What is the Capital Bank Visa® Platinum Rewards Credit Card login page?

You can access the Capital Bank Visa® Platinum Rewards Credit Card login page here.

How do people rate the customer service and user experience of Capital Bank Visa® Platinum Rewards Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Capital Bank Visa® Platinum Rewards Credit Card report your account activity to credit bureaus?

Yes, Capital Bank Visa® Platinum Rewards Credit Card reports your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Capital Bank Visa® Platinum Rewards Credit Card

  • Visit the Capital Bank Visa® Platinum Rewards Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period 12 months
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $1
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Categories
  • Every Purchase
Cash Advance APR 21.99%
Balance Computation “Average Daily Balance (including new transactions).”
Purchase APR 9.99% - 19.99%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Fee Intro Period 365 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 9.99% - 19.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Zero Percent
Card Network Visa

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