MilesOne Platinum (Capital One)

Pros: Low APR (9.9%) and annual fee ($19)compared to other miles rewards cards.
Cons: Customer service may not always be reliable.

If you're looking for a miles reward card with both a reasonable APR (9.9%) and a low annual fee ($19), your search may be over. Check out the Capital One MilesOne Platinum MasterCard.

Cap One has a Platinum Miles Card?...

Pros: Get up to 2.65% back with smart management, No Foreign Exchange Markup
Cons: Confusing application, no certainty miles will retain value

Actually, the payoff is even higher. I'll explain later. This card is for people who payoff their balances and travel by plane; otherwise forget about using this card. While the finance charge is moderate (I am quoted 13.81%), you can get better with ...

Pros: Low annual fee and reasonable interest rates
Cons: Some restrictions involved in redeeming miles

The Miles One card from Capital One is not a bad value when compared to other airline cards. Consider the following:

1. Receive up to a 5000 mile bonus for balance transfers.
2. Miles can be redeemed on any major airline with no...

Pros: Simple to use. Worked with any American carrier. Not many restrictions.
Cons: Being switched to Go Miles; a degradation to program costing more in the long run.

The Miles One card from Capital One allows the cardholder to use accumulated points, accrued at one point per dollar spent, to purchase airline tickets at a fixed conversion rate. As of August 2004, they discontinued (*) the Miles One program and ...

Pros: Good APR, low fee
Cons: Hard to use miles - if you manage to collect enough

I just received my daily ration of junk mail and among other things is this offer from Capital One for their Miles One Platinum card. I already have a Bank of America Dividend Miles Platinum Visa, which I'm very, very happy with so it doesn't surprise me...

Pros: Mail offers "sounds" attractive
Cons: Terrible customer service. Bait and switch on the original offer. Unprofessional customer service.

They used a classic bait and switch technique! I canceled the card before I even used it. I have never had a credit card company behave so unprofessionally. We received an offer for 0% APR on balance transfers until Jan 2005 which was very enticing. ...

Pros: They used to have a great deal with 1% cash back/miles on every dollar spent.
Cons: Read the long-winded statement in which I describe my complaint.

I've been carrying and using this card for several years. About a year ago, I decided to charge everything and pay it off each month. I figured, if the money is going to pass through my hands anyway, then why not get some benefit from it such as cash ...

Pros: Decent rewards plan. Accepted by most merchants.
Cons: Atrocious customer service. Unbelievably poor dispute resolution department.

My experience with Capital One was been mediocre at best. Throughout my five years with them, I have noticed some very odd policies. For example, if the card is stolen, they will send you a new card "parcel post" and ask you to allow about a month to ...

Pros: low fixed interest rate
Cons: reward redemption restrictions

The MilesOne Visa Platinum Card touts great travel benefits, but the best thing about it is a fixed 9.9% rate on both purchases and balance transfers. There is also an annual fee of $19.

Their travel reward redemption program is heavily...

Pros: The only pro was my fixed APR.
Cons: There are many cons, but mostly with customer service and billing. (Read review above.)

In September 2006 my father passed away and my husband was supposed to pay the bills which is something I usually do. (We always pay the balance of our cards so we do not incur finance charges.) He inadvertently did not pay our Capital One bill which ...

Pros: "Flexibility" compared to other airline (not cash back) programs
Cons: Annual Fee: add $20 a year... for a card Unfriendly practices

Capital One won't tell you on their website how to redeem your miles. It's not on your account, it's not anywhere in your paperwork. Ya have to go find www.milesone.com to get your reward. Then, there is no place on the website that tells you what you ...

Pros: You get airline miles on any airline
Cons: poor customer service

My brother-in-law passed away of a brain tumor at age 36. When my sister called to see if she could have the miles transferred in her name (it was a company card and she was the vice-president). She was told "no." When my sister replied she felt this...

Pros: None
Cons: Long holds, customer service reps who are illiterate, endlessly transfering my calls, inaccurate billing. deplorable.

I decided to try the no fee card for some unknown reason. (I have never had any problems with Am X or Citibank) The first charge that came through was not mine and after three days, I finally got someone in customer service. When I explained the ...

Pros: really really crappy service. almost criminal.
Cons: i mean it's really bad service.

The reps are incompetent and rude, you have to wait forever for the privilege of talking to them, and now they've told me that someone else cashed a dividend reward and it's my problem. I've asked repeatedly for a copy of the check and have received jack ...

Pros: None, if you are looking to raise your blood pressure, deal with these folks.
Cons: See pros to start with.

This is the worst customer service experience I have ever seen. My wife has spent the last two months trying to collect on our miles one program. We decided to take $300.00 instead of the plane tickets do to the 9/11 tragedy, what we received was...