@SunriseEarth wrote:I seem to recall a member posting a few weeks ago looking for a MasterCard with no AF, no FTF, and WEMC benefits if possible. Hopefully he sees this thread. IIRC, I think he wanted to use MC for their published forex rates.
It's a bit off-topic, but there's been a lot of discussion in this thread as to whether Capital One is a subprime lender or not. IMHO, I believe Cap One is a lender with products ranging from subprime to prime. Their "subprime" is certainly better than others (FP, Credit One, etc), although their "prime" isn't always as good as others. But then again, I think we could pick holes into any of the so-called "prime" lenders and their products. I think it's more important to consider if/how a product meets your needs. if so, great. If not, there are plenty of CCs in the sea.
Agreed! Whenever I apply for a card, the only question myself is "will I be using this card 20 years from now?" If I am absolutely sure if I will never close the card I apply for the I will definitely try to get it 
I don't mind if it is considered subprime like many are saying capital one is. The real question that needs to be asked is "does this card fit my needs"
@Anonymous wrote:
@SunriseEarth wrote:I seem to recall a member posting a few weeks ago looking for a MasterCard with no AF, no FTF, and WEMC benefits if possible. Hopefully he sees this thread. IIRC, I think he wanted to use MC for their published forex rates.
It's a bit off-topic, but there's been a lot of discussion in this thread as to whether Capital One is a subprime lender or not. IMHO, I believe Cap One is a lender with products ranging from subprime to prime. Their "subprime" is certainly better than others (FP, Credit One, etc), although their "prime" isn't always as good as others. But then again, I think we could pick holes into any of the so-called "prime" lenders and their products. I think it's more important to consider if/how a product meets your needs. if so, great. If not, there are plenty of CCs in the sea.
Agreed! Whenever I apply for a card, the only question myself is "will I be using this card 20 years from now?" If I am absolutely sure if I will never close the card I apply for the I will definitely try to get it
Agree you should evaluate purpose before applying because it's very easy to end up with redundant cards that never get used.
That said 20 years is a very long time in the credit world. There's almost no card on the market today that existed 20 years ago. A better frame of reference is a year or two because benefits change constantly. Since the hard pull is there for 2 years, if you can justify the card for at least that long, you're probably in good shape.
Well done @Marmight! Ill just say i wish Capitol One was available to apply for where im from because subprime or not, it seems like one of the best places to build credit history and ive seen many people here who enjoy having one. Whether you use it for rebuild or maintaining credit, i would love to have a ccc that is most forgiving than most or isnt so quick to AA or something. Enjoyable thread
@Anonymous wrote:I was able to apply for this just now by following an "Apply Now" link on Credit Karma. The page it led me to on Capital One's site had a picture of a WE MC instead of the usual Visa Signature picture, and among the card's features was listed "Includes World Elite MasterCard Benefits." I applied for it, and I was instantly approved with a $10,000 limit and 18.24% APR. I'm a bit surprised I didn't get the lowest APR advertised (13.24%), but I never carry a balance, so it's not a big deal.
Congrats! J/c, do you mind if I inquire what your scores were when you applied please, if you hopefully wouldn't mind sharing more info?
@SunriseEarth wrote:I seem to recall a member posting a few weeks ago looking for a MasterCard with no AF, no FTF, and WEMC benefits if possible. Hopefully he sees this thread. IIRC, I think he wanted to use MC for their published forex rates.
It's a bit off-topic, but there's been a lot of discussion in this thread as to whether Capital One is a subprime lender or not. IMHO, I believe Cap One is a lender with products ranging from subprime to prime. Their "subprime" is certainly better than others (FP, Credit One, etc), although their "prime" isn't always as good as others. But then again, I think we could pick holes into any of the so-called "prime" lenders and their products. I think it's more important to consider if/how a product meets your needs. if so, great. If not, there are plenty of CCs in the sea.
Interesting, I can still remember a time in the distant past where Cap1 even offered super-prime products, not so much anymore these days I guess, alas... Agreed 100% though that Cap1 offers range from sub-prime to prime. Personally, I don't consider Cap1 to be sub-prime overall IMO.