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Personal Banking
Credit Card Services
To view your Capitol Bank Visa Credit Card information visit www.MyCardStatement.com.
Verified by Visa: A simple way to add security to your internet transactions. This free service will help prevent unauthorized internet purchases on your credit card. Sign up for this great service at www.visa.com/verified. If you have any questions, please call 1-800-857-3118.
Capitol Bank offers four credit card plans.
Visa Classic, Visa Classic Plus, Visa Gold and Visa Business.
|
Classic |
Classic Plus |
Gold |
Business |
Variable APR - P+5.15% |
Yes |
Yes |
Yes |
Yes |
Annual Fee |
None |
$29.00 waived the first year |
$49.00 waived the first year |
$25.00 per account number |
ScoreCard Points - travel & gift awards |
None |
Yes |
Yes |
None |
25 day grace period for repayment |
Yes |
Yes |
Yes |
Yes |
2% or $20.00 minimum pmt |
Yes |
Yes |
Yes |
Yes |
$20.00 Late fee |
Yes |
Yes |
Yes |
Yes |
$20.00 Overlimit fee |
Yes |
Yes |
Yes |
Yes |
Up to a 1% fee on foreign country transactions |
Yes |
Yes |
Yes |
Yes |
Internet access to account information |
Yes |
Yes |
Yes |
Yes |
Balance Transfers |
Yes |
Yes |
Yes |
Yes |
Minimum Annual Income |
None |
None |
$35,000 |
None |
Minimum Credit Line |
None |
None |
$2,000 |
None |
Fee on Cash Advances |
Yes |
Yes |
Yes |
Yes |
Method of Computing the Balances for Purchases |
Average Daily Balance Including New Purchases |
Average Daily Balance Including New Purchases |
Average Daily Balance Including New Purchases |
Average Daily Balance Including New Purchases |
Free Travel Accident Insurance |
Yes |
Yes |
Yes |
Yes |
Free Auto Rental Insurance |
Yes |
Yes |
Yes |
Yes |
Free Warranty Manager Service |
None |
None |
Yes |
Yes |
Free Travel and Emergency Assistance |
None |
None |
Yes |
Yes |
Free Corporate Liability Waiver Insurance |
None |
None |
None |
Yes |
- Travel Accident Insurance - Accidental Death and Dismemberment Insurance protects cardholders and their families while traveling by airplane, bus, train or other common carrier. The ticket must be purchasd with this credit card.
- Auto Rental Insurance - This insurance reimburses the cardholder for the repair or replacement of a rental car damaged by collision or vandalism. The rental car must be paid for with this credit card.
- Warranty Manager Service - Extended warranty protection doubles the manufacturers original U.S. warranty up to one full year on most retail items purchased with this card.
- Travel and Emergency Assistance - Emergency Assistance in many areas such as: Message Service, Medical, Legal, Transportation, Ticket Replacement, Lost Luggage, Translation, and Pre-Trip assistance.
- Corporate Liability Waiver Insurance - Insurance protection for business customers against losses incurred through misuse by a terminated employee.
One Score Point is earned for every dollar charged. Points can be redeemed for
gift purchases or for travel. For more information on Score Points, contact us at loandept@capitolbank.com.
Click the image to see the wide variety of
scorecard awards available to you.