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Home / Capital One Credit Cards / Gold MasterCard: 11.9%

Gold MasterCard®: 11.9%

Staff Review

The Gold MasterCard® from Capital One is a great low-rate credit card with a nominal annual fee of $19. As long as you pay your bill on time, you will lock in a rate of 11.9% on purchases and balance transfers for three years. After that, your annual interest rate becomes the variable Prime rate + 9.9%. Pay an additional annual fee and earn rewards miles or cash back on your MasterCard. While shopping, Gold card membership gives you benefits such as Price Protection, Purchase Assurance, and Extended Warranty. On vacation, MasterCard users will be provided with travel accident insurance, baggage delay reimbursements and MasterAssist Travel Assistance. Emergency card replacement and cash advances are also available and card users are protected with $0 fraud liability. Start enjoying the benefits of Gold card membership. Apply now for the Gold MasterCard® from Capital One.

Card details

  • 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
  • Annual interest rate for cash advances is 19.8%
  • Save money when you transfer high-interest debt with our no-fee balance transfer service
Typical APR Balance Transfer APR Balance Transfer Fee Annual Fee Credit Needed
11.9% for 3 years* 11.9% for 3 years* N/A* $19* Good


* Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.