Financial Products - Capital One - Credit Cards, Savings Accounts, Fixed Rate Bonds

Capital One specialise in credit cards, so they offer an extensive range to meet a variety of needs. Whether you're looking for a low rate on balance transfers or purchases, or you have been turned down for credit in the past, you're sure to find a great credit card with Capital One.

Capital one also offers an online application service, giving you a decision on your application instantly.

All Capital One customers are provided with an online banking service giving them the flexibility to easily manage and monitor accounts, from viewing transactions, to Transfer funds and pay bills with ease. You can also be given peace of mind as all accounts are covered by Anti-fraud support.

Capital One offer a range of savings accounts, each offering competitive rates of interest. If you are a cautious saver, the base beater account offers a rate that is guaranteed to stay above the bank rate so you don't have to worry about losing out. However, if you're keen to find the best rates, Capital One offer savings accounts with higher rates allowing you to get the best returns.

All Capital One savings accounts come with 24/7 access to your money allowing you to manage your account online, or over the phone. It is also free and easy to access your money, making your finances more flexible.

Capital One offer several options for fixed rate bonds based on the length of time your money is locked away and the rate that is applied. If you can afford to lock your money away for a fixed amount of time, this type of account is worth considering.

A Capital One fixed rate bond can allow you to earn competitive rates of interest over a long period of time, giving you reassurance of a fixed return which is not reflected by the static Bank rate.

As interest rates continuously change, a fixed rate bond can protect you against falling rates, so the best time to apply is when rates have reached a peak and are expected to fall, as the rate cuts would not reflect the rate at which you are earning on your balance. However, this can have the opposite affect if you were to lock your money away when rates reach a low, so it is worth looking into where the current rate stands.