Capital One® Consumer Credit Card Offers

Capital One® Platinum - Visa

Buy what you've been dreaming of and pay no interest until February 2009 on purchases Save with a low non-intro variable APR, currently 8.9% Know you are protected with $0 fraud liability if your card is ever lost or stolen Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until February 2009* 8.90%* $39.00* N/A* Average Credit*

Capital One® Platinum - MasterCard

Buy what you've been dreaming of and pay no interest until February 2009 on purchases Save with a low non-intro variable APR, currently 8.9% Know you are protected with $0 fraud liability if your card is ever lost or stolen Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until February 2009* 8.90%* $39.00* N/A* Average Credit*

Capital One® Classic Platinum Visa

Buy what you've been dreaming of and pay no interest until February 2009 on purchases Save with a low non-intro variable APR, currently 14.9% Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping Know you are protected with $0 fraud liability if your card is ever lost or stolen CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until February 2009* 14.90%* $19.00* N/A* Average Credit*

Capital One® Classic Platinum - MasterCard

Buy what you've been dreaming of and pay no interest until February 2009 on purchases Save with a low non-intro variable APR, currently 14.9% Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping Know you are protected with $0 fraud liability if your card is ever lost or stolen CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until February 2009* 14.90%* $19.00* N/A* Average Credit*

Capital One® Platinum Max

Take advantage of a 16.9% APR that won’t change for at least three years Know you are protected with $0 fraud liability if your card is ever lost or stolen Get a credit line up to $2,500 Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 16.90%* $19* Yes* Average Credit*

Capital One® Platinum Prestige Visa

Save with a 0% intro APR until October 2009 on purchases and balance transfers Then enjoy a variable APR, now 8.9% Save time and money by transferring higher-rate balances so you can make one easy payment each month No annual fee CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until October 2009* 8.90%* None* Yes* Excellent Credit*

Capital One® Platinum Prestige

Save with a 0% intro APR until October 2009 on purchases and balance transfers Then enjoy a variable APR, now 8.9% Save time and money by transferring higher-rate balances so you can make one easy payment each month No annual fee CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until October 2009* 8.90%* None* Yes* Excellent Credit*

Capital One® No Hassle Points(SM) Rewards

5 points per dollar spent at gas stations, major grocery and drug stores 1 point for every dollar spent on other purchases There is no limit to the points you can earn, and your points won't expire for the life of your account Buy what you've been dreaming of and pay no interest until February 2009 CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Purchases* until February 2009* 16.90%* $29.00* Yes* Average Credit*

Capital One® No Hassle Points(SM) Rewards

Earn 2 points per dollar spent at gas stations, major grocery and drug stores 1 point for every dollar spent on other purchases Save with a 0% intro APR on purchases until October 2009 There is no limit to the points you can earn, and your points won't expire No annual fee CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until October 2009* 9.90%* None* Yes* Excellent Credit*

Capital One® Standard Platinum Card

Buy what you've been dreaming of and pay no interest until February 2009 on purchases Save with no annual fee Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping Know you are protected with $0 fraud liability if your card is ever lost or stolen CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on purchases* until February 2009* 19.80%* None* Yes* Average Credit*

Capital One® Platinum

Save with a 0% intro APR until October 2009 on purchases and balance transfers Save time and money by transferring higher-rate balances so you can make one easy payment each month No annual fee CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until October 2009* 12.90* None* Yes* Good Credit*

Capital One® No Hassle Cash Rewards

Get 2% cash back on purchases at gas stations and major grocery stores and 1% cash back on all other purchases There's no limit to the cash back you can earn, and your cash rewards won't expire Save with a 0% intro APR on purchases until October 2009 You can ask for your cash back whenever you want or set up automatic redemptions so you won't have to ask No annual fee CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until October 2009* 13.90%* None* Yes* Good Credit*

Capital One® No Hassle Cash Rewards

Get a 25% annual bonus on the cash you earn during the year 1% cash back on every purchase Buy what you've been dreaming of and pay no interest until February 2009 There's no limit to the cash back you can earn, and your cash rewards won't expire Redeem cash whenever you want CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Purchases* until February 2009* 16.90%* $29* Yes* Average Credit*

Capital One® No Hassle Miles Ultra - For Professionals

Earn double miles - 2 miles per dollar spent on all purchases Save with a 0% intro APR on purchases until October 2009 No expiration date on miles and no limit on the miles you can earn No blackout dates and no seat restrictions CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until October 2009* 9.90%* $39.00* Yes* Excellent Credit*

Capital One® No Hassle Miles Rewards

Earn 25% more than regular mileage cards with 1.25 miles for each dollar spent on purchases There's no limit to the miles you can earn and your miles won't expire There are no blackout dates and no seat restrictions Save with a 0% intro APR on purchases until October 2009 No annual fee CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until October 2009* 13.90%* None* Yes* Good Credit*

Capital One® No Hassle Miles Rewards

For customers with excellent credit Earn 25% more than regular mileage cards with 1.25 miles for each dollar spent on purchases Save with a 0% intro APR on purchases until October 2009 No expiration date on miles and no limit on the miles you can earn There are no blackout dates and no seat restrictions No annual fee CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until October 2009* 9.90%* None* Yes* Excellent Credit*

Capital One® No Hassle MilesSM Rewards for Travel and Gas

More miles - Earn 3 miles per dollar spent on travel and gas purchases Earn 1 mile per dollar for all other purchases No annual fee Unrestricted travel - fly any airline, anytime, anywhere, with no blackout dates and no seat restrictions No expiration - rewards won't expire for the life of your account CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until October 2009* 9.90%* None* Yes* Excellent Credit*

Capital One® Standard Platinum for Students

Get credit that fits your needs and a card that fits your style, and save with no annual fee 0% intro APR—pay no interest on purchases until February 2009 Express yourself—upload an image of your own onto your card once it arrives A manageable credit line to help control your finances Fraud protection—$0 fraud liability if your card is lost or stolen CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until February 2009* 19.80%* None* Yes* Limited History*

Capital One® No Hassle Cash(SM) Rewards for Students

Start building your credit today and earn cash, simple and fast 25% annual bonus on cash earned during the year and 1% cash back on all purchases No limit on cash back and rewards won’t expire for the life of your account 0% intro APR on purchases until February 2009 $0 Fraud Liability for unauthorized use if your card is lost or stolen CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* until February 2009* 16.90%* $29.00* Yes* Limited History*

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Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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