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NerdWallet > Rewards Credit Cards > LSU Tigers™ Platinum MasterCard® from Capital One®
Review / Compare / Reward Calculations / Interest Calculations / Rankings / Comments
LSU Tigers™ Platinum MasterCard® from Capital One®
Capital+One LSU+Tigers+Platinum+MasterCard Credit Card

(3.5/5 - 104 Votes)
Net Annual Rewards
$264
of Capital One No Hassle Points
Reward Rate
1.00%
Annual Fee
$0
Signing Promo
None
APR, variable*
Min APR:
13.9%(V)
Max APR:
19.9%(V)
Default:
29.4%(V)
Cash Adv:
24.9%(V)
Intro APR Promotions
Purchase:
0% until June 2013
Transfer:
None
Summary
  • 2 points per $1 on purchases at gas stations and major grocery stores
  • 1 point per $1 spent on all other purchases
  • No limit on the points you can earn and points don`t expire
  • Redeem for travel, gift cards and merchandise
  • Choose from 2 unique LSU® card designs or create your own image card
  • 0% intro APR on purchases until June 2013
  • No annual fee

Compare To Our Most Popular Cards For The Category

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Compare To Blue Cash Preferred℠ Card from American Express

Why do we think you should consider this card?

Earn $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership

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Reward Details & Calculator

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Rewards Type: Capital One No Hassle Points

Signing Promotion
$0
Estimated Annual Rewards
$21,600 * 1.22%
$264
Annual Fee, 2 yr avg
$0
Annual Rewards (Rewards less Fees)
$264

Details

  • Earn 1 point per $1 spent on purchases
  • 2x points at gas stations and major grocery stores

Calculate Interest & Finance Charges

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Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*

Balance Transfer Fee, 0.0%
$0
APR, 24 months
$3,184
Total
$3,184

*Average APR for Balance Transfers of 13.9% includes transfer fees and APR promotions.

Effective Annual Rate, Purchases

Promo EAR, 12 months
0.00%
Ongoing EAR, 12 months
14.82%
Total EAR, 24 months
7.15%

APR Rankings

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APR
13.9%
ranks #1324 out of 1751 cards.
Average is 11.78%.
Balance Transfer Fee
0%
ranks #1 out of 1639 cards.
Average is 1.67%.
Cash Advance APR
24.9%
ranks #782 out of 1002 cards.
Average is 18.74%.

Rewards Rankings

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Annual Fee
$0
ranks #1 out of 1773 cards.
Average is $9.
Base Reward Rate
1%
ranks #69 out of 963 cards.
Average is 0.99%.
Effective Reward Rate
1.22%
ranks #80 out of 958 cards.
Average is 1.04%.
Sign-up Bonus
$0
ranks #1762 out of 1762 cards.
Average is $33.
Credit Card Review: LSU Tigers™ Platinum MasterCard® from Capital One®


Author:
NERDBOT

Should you get the LSU Tigers™ Platinum MasterCard® from Capital One®? We'll give you our take on the perks and drawbacks of this card and tell you how it stacks up against the Capital One® Venture℠ Rewards Credit Card. For a dynamic comparison of all our cards, check out our credit card tool.

NerdWallet Review: The LSU Tigers™ Platinum MasterCard® from Capital One®

No annual fee: The LSU Tigers™ Platinum MasterCard® from Capital One® has no annual fee. This means it's ideal for those who don't put much on their cards, and want to keep the card open for a long time. If you keep your credit cards open, you'll boost your average account age and thus your credit score.

No balance transfer fee: This card does not have a balance transfer fee, which is the one-time charge put on the amount you transfer from another credit card. This is the type of fee people often forget about, so many banks jack it up to 5% and get away with it. The BT fee is one of those "shrouded" fees to keep your eye on.

No foreign transaction fee: The card's foreign transaction fee is waived. This fee is usually 3% of all your overseas purchases, and can be quite a burden. Spend just $1,000 abroad, and you're out $30. International travelers should consider a waived foreign transaction fee a prerequisite for their card.

Promotional APR period: The card has an introductory APR period. This gives you the chance to make a big purchase and pay it off interest-free for a while.

Credit Card Showdown: LSU Tigers™ Platinum MasterCard® from Capital One® vs. Capital One® Venture℠ Rewards Credit Card

Smaller signup bonus: Since the card's signup bonus is smaller, you're leaving a bit of money on the table. Of course, that isn't the only thing that matters about a card, but still, good to know.

Same late payment fee: The LSU Tigers™ Platinum MasterCard® from Capital One® has the same late fee as the Capital One® Venture℠ Rewards Credit Card. In theory, you should avoid incurring late payment fees altogether. In addition to the late fee, you might get stuck with a big penalty APR that lasts six months or more.

Longer intro APR period: In addition to giving rewards, the LSU Tigers™ Platinum MasterCard® from Capital One® offers a 0% introductory APR period. While you're paying off a purchase interest-free, you can also rack up rewards.

Lower base rewards rate: The card has a lower base rewards rate than the Capital One® Venture℠ Rewards Credit Card. A decent base rewards rate is important if you're planning on using the card as your go-to. That said, base rewards aren't everything: many cards give high bonus rates but have mediocre base rates.

Read the full review of the Capital One® Venture℠ Rewards Credit Card on our blog

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