Low Rate Guaranteed MasterCard®

The Low Rate Guaranteed Master Card from Capital One Canada is right package if you have a short credit history that would not qualify you for cards advertised to persons having good credit. It charges very low rates allowing you consolidate the important expenses. Using this card judiciously can help improve your credit rating and strengthen your history provided you are sure to pay bills in timely fashion and avoid exceeding the credit limit. The card network is accepted worldwide and with wide spread acceptance in Canada you can buy merchandise online or just go the local store to do your daily shopping with ease.

Cash advances are a feature on the card but they do not incur same interest as purchases and balance transfers. Once you become cardholder you incur a $79 fee annually.

Additional benefits such as online account access let you monitor spending and keep track of expenses through online statements that are downloadable for reference purposes. You can now buy merchandise or pay for subscriptions online without fear. $0 fraud liability is a feature that takes liability for unauthorized and fraudulent card use. As a regular shopper you're protected with Purchase Assurance, and Extended Warranty – giving you an extra year on existing warranties of purchased products.

When traveling you'll receive extra benefits such as a Common Carrier Travel Accident Insurance up to $250,000, and Delayed Baggage Benefit if you charge those travel expenses to the card and meet the terms listed in your Certificate of Insurance. Car Rental Collision and Damage Waiver could help protect you from liability if a rental car in your possession is lost or stolen.

Master RoadAssist is an assistance service for road users who fall victim to vehicle problems and require professional assistance. MasterAssist Travel Assistance Service and MasterCard Global Service are extra services every cardholder has at his disposal.

If you are serious about improving the not so good credit you've always taken around then the Low Rate Guaranteed MasterCard is ideally what you need. It comes guaranteed so you’re sure to qualify and gain acceptance once you submit your application. This is a MasterCard PayPass card.