Capital One Click credit card offers up to 50% shopping discountsLow APR of 9.9% makes this a Which? Best Rate card

08 July 2011

Capital One logo

Capital One's new Click credit card has an APR of just 9.9% and offers impressive discounts on shopping with selected online retailers

Capital One has launched a new credit card aimed at online shoppers. The Click Card comes with an APR of just 9.9%, making it a Which? Best Rate credit card for borrowing. It also offers discounts of up to 50% at a range of online shops.

For the first six months, Click credit card customers will be able to receive the following discounts:

  • 30% off (excludes games consoles, laptops, iPads, iPods and mobile phones
  • 25% off (valid on featured holidays when purchasing holiday packages for a minimum of two people)
  • 20% off and free delivery with (valid on full priced merchandise only)
  • 50% off (valid when purchasing two tickets from a selection of events. Standard booking and postage fees apply)

New deals will be introduced every three months. Click Card customers can access these discounts through the eXtras plus website which links back to Capital One’s partner websites.

Strong all-round credit card deal for existing customers

Which? credit card expert Martyn Saville commented: 'The low interest rate on borrowing makes this a strong new entrant into our Best Rate tables. The significant discounts offered on purchases from a range of leading websites further boosts the attractiveness of the product.

'Take-up of the card, however, will depend to a significant extent on the quality of the deals available in the future. Like Barclaycard's Freedom reward scheme, the deal is only worth taking out if you shop at the retailers taking part in the scheme. If there are too many caveats attached to each deal, or if the products themselves are uncompetitive, customers will soon desert the card in favour of cashback credit cards, price comparison sites, price alert services and cashback websites. The initial list from Capital does look promising though.'

Which? Best Rate credit cards

If you need advice to help you choose the best credit card for your needs, read the free Which? guide to choosing a credit card. Compare the Capital One deal with other Best Rate credit cards for borrowing.

pound coins

Which? Money when you need it

You can follow @WhichMoney on Twitter to keep up-to-date with our Best Rates and Recommended Provider product and service reviews.

Sign up for the latest money news, best rates and recommended providers in your newsletter every Friday.

Or for money-saving tips, and news of how what's going on in the world of finance affects you, join Melanie Dowding and James Daley for the Which? Money weekly money podcast

For daily consumer news, subscribe to the Which? news RSS feed here. And to find out how we work for you on money issues, visit our personal finance campaigns pages.