Credit Card
Gold MasterCard® 11.9% Guaranteed for 3 Years
- Annual interest rate for cash advances is 19.8%
- Enjoy the certainty of a low long-term rate of 11.9% on purchases and balance transfers guaranteed for 3 years (as long you pay your bills on time)
- After that your rate will stay low and become a variable rate of Prime +9.9% on purchases and balance transfers
- Save money when you transfer high-interest debt with our no-fee balance transfer service
- Subject to credit Approval
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| Intro APR: | 11.9%* |
| Intro Period: | 36 months |
| APR: | Prime + 9.90% (variable)* |
| Annual Fee: | $19.00* |
| Issuer: | Capital One Canada |
| Card Network: | MasterCard |
| Card Category: | Consumer (Premium) |
| Card Type: | |
| Credit Needed: | Good* |
The Gold MasterCard 11.9% Guaranteed for 3 Years is a credit card that has been designed to be used all across of Canada. This master card can be used both online and offline. This card has specifically been targeted for those that have a good credit history. To qualify for being classed as having good credit, you are required to meet a number of different standards. One of the most important is ensuring that you have maintained a good credit history for a period of at least seven years. Opting for this master card has a number of great benefits
For starters, this master card offers a rate of 11.9% for the first three years. This rate is guaranteed for a period of three years. After that period you will be set at an annual variable rate of +9.9%. This particular master card also offers $0 fraud liability. What that means is that if you have lost your car and any transactions occur that have not been authorised by yourself, you will not be liable to pay for them. One of the best things about this master card is that you are provided with customer service 24/7. If you have any problems in relation to your card, there will always be someone available to help you.
Another benefit of this master card is that it can be used in countries abroad as well. For purchases made abroad or even in Canada you are provided with purchase insurance. This insurance covers nearly every product that you buy from theft and damage for a period of 90 days. Once the cover finishes after 90 days, you can extend the cover for up to a year on most items through the extended warranty benefit that is also provided.
The great thing about this Gold MasterCard is that it offers other extra benefits as well. These include car rental collision and damage waiver. What that means is that you can simply drive any car knowing that you are protected if any damage occurs to your vehicle. The card also offers travel accidental cover of up to $250,000. Seeing that this is also a master card it can be used all across the globe as well as in Canada. The card can be used to access various ATM machines not only locally but also in countries abroad for a small charge. The card consists of a low an annual fee.
| Rewards: | No rewards program is available with this card, however -- you can make a great card even better by adding either Reward Miles or 1% Cash Back for a $99 annual fee during the application process.* |
| Other Benefits: | - Tap & GoTM with MasterCard PayPassTM - $0 Fraud Liability - 24/7 customer service - Purchase Assurance - Extended Warranty - Car Rental Collision and Damage Waiver - $250,000 Common Carrier Travel Accident Insurance - Delayed Baggage Benefit - MasterAssist(TM) Travel Assistance Service - Master RoadAssist(TM) - MasterCard Global Service(TM) |
| Comments: | Not available to residents of QC, NT, NU, or YT |
| Online Account Access: | Yes |
| Introductory APR: | 11.9%* |
| Applied Towards: | Purchases, Balance Transfer |
| Introductory Period: | 36 months* |
| APR on Purchases: | Prime + 9.90% (variable)* |
| Annual Fee: | $19.00* |
| Grace Period: | 25 days* |
| Min Finance Charge: | $1.00 |
| Late Payment Fee: | $29.00* |
| Over Limit Fee: | $29.00 |
| Balance Transfer: | Yes |
| Transfer Fee (%): | 3.00% |
| APR Cash Advances: | 19.80% |
| Cash Advance Fee: | 1.00% |
| Minimum Fee: | $5.00 |
| Maximum Fee: | $10.00 |
| Additional Fees | - Foreign Currency Conversion Charge: 2.5% - Extra copy of your monthly statement: $3 - Transaction copy: $2 - Dishonoured payment: $29 |
| Apply Now |
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† Information relating to the Gold MasterCard 11.9% Guaranteed for 3 Years may change without notice as a result we cannot guarantee the accuracy of details above. It is important you read the terms and conditions attached to a product before submitting the application.
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