In Canada, COBNA operates as an authorized foreign bank and is authorized to conduct credit card business in Canada through its Canadian branch, Capital One Bank (Canada Branch) (“Capital One Canada”). Capital One Canada does not accept deposits.

在加拿大，COBNA 作为一家获授权的外国银行运营，并获授权通过其加拿大分行 Capital One Bank（加拿大分行）（“Capital One Canada”）在加拿大开展信用卡业务。该金融机构不接受存款。

Credit Cards

Five credit card types：

l Guaranteed Mastercard

l Low Rate Guaranteed Mastercard

l Guaranteed Secured Mastercard

l Aspire Travel Platinum Mastercard

l Aspire Cash Platinum Mastercard

信用卡

五种信用卡类型：

l 保证万事达卡

l 低利率保证万事达卡

l 有保障的万事达卡

l Aspire旅游白金万事达卡

l Aspire现金白金万事达卡

Credit Card Rewards:

l Unlimited Rewards, No Expirations

There is no limit to how much cash back or miles a cardholder can earn with a Capital One Rewards card. In addition, rewards will not expire during the life of your account.

l Travel Rewards

Earn travel miles with every purchase. Book and redeem any flights, car rentals, hotels, carpooling apps, cruises, etc. through any website or service.

l Cash Rewards

Earn cash back on every purchase. Redeem any amount and the reward will not expire during account validity.

信用卡奖励：

l 无限奖励，没有过期

持卡人使用Capital One Rewards卡可以赚取多少现金返还或里程没有限制。 此外，奖励在您的帐户有效期内不会过期。

l 旅游奖励

每次购买均可赚取旅行里程。 通过任何网站或服务预订和兑换任何航班、汽车租赁、酒店、拼车应用程序、游轮等。

l 现金奖励

每次购买均可赚取现金返还。 兑换任何金额，奖励在账户有效期内不会过期。

Pros and Cons List:

Pros:

1. No foreign transaction fees

2. Rewards program is very well thought of

3. Monitor user’s credit with CreditWise

4. Automatically be considered for a higher credit limit in as little as 6 months. These cards can be used to help users build credit in a responsible way.

5. Helpful customer service representatives are available 24 hours a day to assist users.

Cons:

1. High regular APRs

2. Low credit limits

优点和缺点列表：

——优点：

1.无境外交易费用

2.奖励计划很周到

3.用CreditWise监控用户的信用

4.在短短6个月内自动考虑获得更高的信用额度。这些卡可以负责任的用于帮助用户建立信用。

5.客户服务代表全天24小时为用户提供帮助。

——缺点：

1.常规年利率高

2.信用额度低