Credit Cards for People with Fair / Average Credit

Capital One® No Hassle Cash^SM Rewards Credit Card 

• 2% cash back on gas and groceries
• 1% cash back on all other purchases
• Bonus: Get up to 15% more cash back when you shop online at select merchants through Perk Central
• No limit on the cash you can earn and cash won't expire
• Redeem cash rewards any time for any amount, even set up automatic redemption
• 0% intro APR on purchases until November 2012
• Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own

Capital One® MasterCard®

• Get the credit you need with no processing fees or application fees
• $0 Fraud Liability if your card is lost or stolen
• Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own
• Access your account 24/7
• Monitor your spending with free e-mail and text message alerts
• Automatic reporting to the 3 major credit bureaus
• Find pre-qualified card offers in 60 seconds without affecting your credit score

Capital One® Classic Platinum Credit Card

• 0% intro APR on all purchases until November 2012
• $0 Fraud Liability if your card is lost or stolen
• Enjoy Platinum benefits, including 24-hour roadside assistance and extended warranty protection
• Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own

Capital One® Cash Rewards for Newcomers

• A card designed to help those new to the U.S. establish credit and earn cash back
• Build credit with automatic reporting to the three major credit bureaus
• Get 2% cash back on travel purchases
• Earn 1% cash back on all other purchases
• No foreign transaction fees
• No annual fee

Orchard Bank Classic MasterCards

• An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly
• Acceptance at millions of locations worldwide, including website purchases and reservations
• Your account information is updated and at your fingertips 24/7 so you can manage it your way
• Email and text messages are available to remind you of your upcoming payment due date
• Knowledgeable customer service representatives to assist you with questions or concerns

Orchard Bank Visa Cards

• Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
• Acceptance at millions of locations worldwide, including website purchases and reservations
• Your account information is updated and at your fingertips 24/7 so you can manage it your way
• Email and text messages to remind you of your upcoming payment due date with online enrollment
• Knowledgeable customer service representatives to assist you with questions or concerns

Journey^SM Student Rewards from Capital One®

• Designed to help students build good credit with responsible use
• Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit
• Customizable text and e-mail alerts to help keep you on track
• Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time
• No annual fee
• $0 Fraud Liability if your card is lost or stolen