Did MSE recommend the Capital one Aspire world card around the end of 2012?

philipsaveer

I had the Amazon card, and around the end of 2012 start of 2013 got the feeling the card might be discontinued. As their previous card issued by Halifax had been. So I got a capital One card. Well as others have mentioned in the thread below it finally happened. The card was discontinued. So I already had a card sitting in a draw for this reason. But when I looked at it closely it is a Capital one Aspire World card not the Classic Extra card but the design on the card is identical.

So back when I got the card did MSE recommend the aspire world card and is it better than the classic extra card? Because Capital One does not have it listed on their site.

Also am I correct that the classic extra card is better than the the standard classic card?

Capital One does not seem to say on their site what percentage of cashback either card give you.

Money-Saving-King

The best Capital One alternative I found was this:

http://www.capitalone.co.uk/creditcards/classic-extra-credit-card.jsf

0.5% cashback, no annual fee &£10 each year for paying your bill on time.

Aquamania

philipsaveer wrote: »

I had the Amazon card, and around the end of 2012 start of 2013 got the feeling the card might be discontinued. As their previous card issued by Halifax had been. So I got a capital One card. Well as others have mentioned in the thread below it finally happened. The card was discontinued. So I already had a card sitting in a draw for this reason. But when I looked at it closely it is a Capital one Aspire World card not the Classic Extra card but the design on the card is identical.

So back when I got the card did MSE recommend the aspire world card and is it better than the classic extra card? Because Capital One does not have it listed on their site.

Also am I correct that the classic extra card is better than the the standard classic card?

Capital One does not seem to say on their site what percentage of cashback either card give you.

I can't remember if MSE recommended it back in 2012

But the card issued then is no longer available today (There might be one with the same name, but the terms will differ)

To answer your questions, refer to the terms that apply to your card. (Contact the issuer if you no longer have the details)

The Capital One Classic Card is designed for those without a good credit history
The Capital One Classic Extra Card is designed for those with an average to good credit history. It offers cashback and a bonus too if you pay every bill on time
All the details for these two currently available cards can definitely be found on their website.

System

MasterCard 'World' is a premium product and not sub-prime.

Someone with card should be able to confirm but IIRC the Capital One Aspire World offered 1%? cashback and no forex loading. Obviously, they may have changed the T&Cs since then.

If in doubt, call or message Capital One for details!

philipsaveer wrote: »

So back when I got the card did MSE recommend the aspire world card and is it better than the classic extra card? Because Capital One does not have it listed on their site.

Also am I correct that the classic extra card is better than the the standard classic card?

Capital One does not seem to say on their site what percentage of cashback either card give you.

cse

According to the good old Wayback Machine, Capital One's Aspire World card offered 5% cashback for 3 months then "up to 1.25% cashback" thereafter at the end of 2012

http://web.archive.org/web/20130128041836/http://www.capitalone.co.uk/creditcards/credit-card-range.jsf?

Obviously you've missed the 5% intro period by now but it still sounds like a better offer than the 0.5% Classic Extra

InsideInsurance

Its an old product that has been withdrawn for new customers but given my new contactless card appeared in the post yesterday they dont seem to be closing down the backbook any time soon.

Was it promoted? Doubt many will remember, Capital One certainly used to pay good commissions to those promoting them so its a fair chances MSE thought it something worth promoting. It is certainly one of the better cashback rates outside of AmEx

msallen

T&Cs will have been different at different times but mine pays 0.5% cashback on first 6K per year, then 1% between 6K & 10K and 1.25% over 10K. There is no annual fee. Mine is subject to FX fees, but I believe others may not be.

I don't know if cashback is always paid in Jan or a couple of months after anniversary or what, but my "collection year" runs Nov to Oct (my Nov statement last week was back to 0.5%), but I get my cashback in Jan.

System

They might change it to a Vauxhall card if you're lucky :rotfl:

InsideInsurance wrote: »

Its an old product that has been withdrawn for new customers but given my new contactless card appeared in the post yesterday they dont seem to be closing down the backbook any time soon.

Was it promoted? Doubt many will remember, Capital One certainly used to pay good commissions to those promoting them so its a fair chances MSE thought it something worth promoting. It is certainly one of the better cashback rates outside of AmEx

InsideInsurance

Heng_Leng wrote: »

They might change it to a Vauxhall card if you're lucky :rotfl:

Had a Mercedes American Express (USA issued) for a short while. Was amused that almost no Mercedes Benz dealers in the UK accept it - did end up to some very confused service staff as clearly they felt they should be accepting it.