Verdict: This is a fabulous reward card for people with average credit. The limit will be up to $3,000 and you’ll earn points on everyday purchases, as well as three times the points for purchases at Orbitz.com. There’s also a 0% introductory APR until August 2009.

Overview:
This card earns 1 point for every $1 you spend on everyday purchases and 3 points for purchases at Orbitz.com, along with special promotional purchases at Orbitz that earn even more points. The points can be redeemed for travel at Orbitz, cash, gift cards, or charitable donations.There’s no annual fee and the late fee and over the limit fees are reasonable.

How This Card Works:
Your credit limit will vary between $300 and $3,000. The Capital One Orbitz Visa Platinum card includes $0 fraud liability, travel accident insurance, and auto insurance, as well as 24 hour travel/emergency assistance and roadside assistance, as well as an extended warranty program. You’ll earn 1 point for every $1 you spend on normal purchases and 3 points for every $1 spend at Orbitz.com. These points can be redeemed for all sorts of things, from travel and gift cards to cash and charitable donations in your name. There’s no limit on the points and they will never expire.

Travel and Shopping Benefits:
Earn points for everyday purchases and earn three times the rewards by shopping at Orbitz.com.

Redeem points for travel, cash back, and gift cards or to make charitable donations.There’s no limit on points and they never expire. You’ll also receie travel accident insurance, auto insurance, travel/emergency assistance and roadside assistance with this program. You also qualify for the extended warranty program on items you buy.

Fees:
The standard variable APR is 22.90% but there is a 0% introductory APR until August of 2009. There’s no annual fee or transfer fee and the grace period for purchases is 25 days. You can expect to pay 3% for cash advances, not to be less than $10. The late fee for a balance under $99.99 is $15, between $100.00 and $249.99 is $29, and over $250 is $39. The over the limit fee varies by credit limit. For limits up to $499.99, the fee is $19. For limits between $500.00 and $999.99 the fee is $29. For limits of $1,000 and over, the fee is $39.

Pros:

• Great rewards card for people with average credit.
• Reasonable fees.
• No annual fee.
• Rewards can be redeemed for a variety of things.

Cons:

• Standard variable APR is high.

(3 votes, average: 4.00 out of 5)

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