Q:

How do you get a Capital One 360 card?

A:

Quick Answer

The Capital One 360 debit MasterCard is an included feature with Capital One 360 fee-free checking accounts. To get this card, one must sign up online for this service at the official Capital One 360 website, and the card arrives in the mail within five to seven days.

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Full Answer

The Capital One 360 debit MasterCard can be used anywhere that MasterCard is accepted for signature or PIN purchases, and cardholders can use it to withdraw funds from their Capital One 360 checking account free of charge at any Allpoint ATM. This card can also be used when cardholders are traveling outside the United States, but they need to call 1-302-658-9593 beforehand to confirm their identities.

The Capital One 360 checking account charges no fees for use and requires no minimum balances. Deposits can be made using the CheckPoint mobile app or through any computer, through direct deposit arrangements and by mailing in paper checks. This account incurs no overdraft charges, and account holders can access their balance information online at any time.

The Capital One 360 checking account allows customers to earn variable interest rates on their balances. As of March 2015, those with a balance from $0 to $49,999.99 earn 0.19 percent, with an annual percentage yield of 0.20 percent. Those with balances of $50,000 to $99,999.99 earn 0.74 percent, with an APY of 0.75 percent, while those with balances over $100,000 earn 0.89 percent, with an APY of 0.90 percent.

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