Customers of Capital One enjoy a large selection of products for their personal, shopping, travel, and other needs. There are secured and unsecured cards for customers with different income levels and credit rating. The bank requires that customers provide their social insurance number to run a credit check. Capital One offers consumer and business cards for different credit profiles, and most products require average or excellent credit. Business cards offer discounts on entertainment and dining, business services, office supplies and staples, and more. Discounts are also offered on travel services and information technologies.
With secured credit cards, customers make refundable deposits and benefit from low annual fees. When applying for a secured card, applicants provide employment information, including income from public assistance, retirement, dividends or interest, self-employment, seasonal and part-time jobs, and salaried income. Borrowers with fair or tarnished credit benefit from a secured card if they use it responsibly. Borrowers who exceed the limit see their credit score plummet. Capital One offers a selection of credit card products, from rewards and student 
rewards to competitive rate and business cards. There are three business cards with welcome bonuses, no balance transfer fees, extra miles, customized spending limits, and a lot more. Miles can be exchanged for travel and airfare, gift cards, cash rebates, merchandise, and more. Individual customers have plenty of choice, including student and rewards cards. Student credit cards, for example, are offered to consumers with average credit and feature perks such as no annual fee, cash back on textbooks, gas, groceries, and other purchases, cashback bonuses for timely payments, and other perks. Specialty cards such as the Sony credit card offer points toward Sony merchandise, games, electronics, and other items. Specialty cards feature travel perks such as discounts at resorts, preferred seating, and others. Customers enjoy benefits such as wine and fine dining experiences, tickets for major football games and golf outings, and others.
Credit Cards and Other Borrowing Solutions
Business and consumer cards are suitable for purchases such as supplies and staples, groceries, and utility bills. Cards by Capital One help pay for groceries, fuel, car payments, satellite service, hair care and clothing, gifts and charitable giving, subscriptions, and gym membership. Loans and home equity lines of credit, on the other hand, are designed for large purchases such as second homes, new and used vehicles, and others. Capital One offers a selection of secured and unsecured loans for large purchases.