---

Coldness wrote:

I've heard nothing but horror stories about Capitol One. 

 

But, alas, I'm in the market for a new MC or Visa. I'd prefer a lender that isn't shaky about giving high limits. Right now my "go to" cards are Zync and Discover More. My only Visa is a local credit union one with crap rewards but 8% APR. My highest limits are my store cards that barely see any use, and I'd like to fix that. 

 

So far from what I can find the Capitol One Cash card is supposedly the best "simple" cash back card for Visa/MC with average-ish credit (~720ish as of January, and nothing's changed since then except lower util, never had any lates or anything in my life, etc). 

 

Who has this card, and what do you think of it? How does its CL compare to other cards you have, and does Capitol One grant CLI's very easily? What about the APR? If Capitol One is just crap all around, what other alternatives should I look at? Citi's sent me a few pre-approvals in the mail, but I don't know much about their rewards system. 

---

I have several rewards cards from Capital One and others. I'd actually rather have an 8% APR Visa over any of the rewards cards and I usually PIF every month. Note that most "rewards" cards are higher APR which pay for those rewards, but then again  I like things simple. I do tend to take advantage of 00% promotions for major purchases.