Sony Card™ from Capital One

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Natalie Campisi @NatalieMCampisi  in  0% APR Advertising Disclosure
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Annual Fee:
No Annual Fee.
Purchase Intro APR:
N/A
Regular APR:
0% introductory APR through your 01/2018 billing period. After that, your APR will be 15.49% - 24.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Terms and Restrictions Apply | Rates and Fees

Commonly used for: 0% APR, Excellent Credit, No Annual Fee, No Foreign Transaction Fees, Rewards.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our 0% apr category page.

Editor’s note: This offer may have expired or no longer be available.

Gamers, media hounds and techies have something to sing about with the Sony Card from Capital One. Its generous point structure allows cardholders to earn up to 5 Sony Rewards points per dollar on Sony purchases at authorized retailers, including Sony’s own marketplace. You’ll also earn 5 points per dollar on select entertainment purchases, including digital streaming and subscription services, concert and sporting events, music and video downloads and movie and theater tickets.

If you’re planning to make a big electronics purchase, like a Sony 4k Ultra HD television, then this card will save you money. Until October 2018, there’s a 0% introductory APR on purchases, so you can carry a balance and still rack up the points. After the intro offer expires, the variable APR is 15.49% to 24.99%.

Review

The Sony Card from Capital One targets entertainment enthusiasts who spend money on games, movies, music and new tech. The big value here is the points you can earn on Sony products, an impressive 5 points per dollar. This includes everything from Sony video games to home entertainment.

You can also snag 5 points per dollar for music and video downloads, movie theater purchases and movie rentals, as well as digital streaming and subscription services. By linking your Sony card to various accounts, such as Netflix and Amazon, subscribers will accumulate points for dollars they would’ve spent anyway. All other purchases earn 1 point per dollar.

If you shop at the Sony Rewards Marketplace, you will find some other points-earning opportunities, including a stellar 8 points per dollar when you buy Columbia Sportswear products, 4x the points at Foot Locker and 5x the points at Textbooks.com.

Until October 2018, you won’t have to pay any interest, making it a smart option for people who plan to carry a balance. Plus, new cardholders also will get a freebie after making their first purchase on the card: a $50 statement credit after your first card purchase within 90 days of account opening.

Who should get this card

Tailor-made for entertainment and tech consumers, the Sony Card from Capital One is one of the best cards for rewarding these types of purchases.

For people who don’t spend much on tech and entertainment, there are many other rewards cards out there that offer more flexible ways to earn points, such as the popular Chase Sapphire Preferred Card or other Capital One credit cards.

Advantages
  • Pay no interest until May 2018.
  • Get a $50 statement credit just for using your card one time.
  • This card does not have an annual fee.
  • Points don’t expire for five years.
Disadvantages
  • The biggest point-earners are limited to Sony products.
  • You must redeem points through the Sony Marketplace.
  • Getting eligible points is not always an automatic process, in some instances you might have to scan bar codes or provide other proof before the points are issued.

Fees and APR

  • There is no annual fee.
  • You’ll pay no foreign transaction fee on purchases made outside the U.S.
  • Until August 2018, new cardholders will get a 0% intro APR. After that, the APR falls between 15.49% and 24.99%, depending on your creditworthiness.
  • The cash advance fee is either $10 or 3% of the amount of each cash advance, whichever is greater.

Extras, perks and using points

You can use your rewards points to bid on exclusive concerts and other special events.

Earn more points on various products through the Sony Marketplace, including 8x the points for Columbia Sportswear purchases.

How this card compares

Chase Freedom®
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Apply Now On Chase's secure website
Credit Needed

Excellent/Good

Terms and Restrictions Apply
Regular APR

17.24% - 25.99% Variable

Annual Fee

$0

Purchase Intro APR

0% Intro APR on Purchases for 15 months

Balance Transfers Intro APR

0% Intro APR on Balance Transfers for 15 months

The Chase Freedom card is fee-free and offers rotating bonus categories that pay 5% back, with a cap of $1,500 in each category and an unlimited 1% back on everything else. You also have to sign-up each quarter to get the bonus. An advantage of this card over Discover’s rotating bonus category cash-back cards it’s a Visa, which is more widely accepted than the Discover card.

Amazon Prime Rewards Visa Signature Card
  • 5% back at Amazon.com with an eligible Prime membership; otherwise 3% back
  • 5% back on Whole Foods Market purchases with an eligible Prime membership; otherwise 3% back
  • 2% back at restaurants, gas stations, and drug stores.
  • 1% back on all other purchases.
Credit Needed

Terms and Restrictions Apply | Rates and Fees
Regular APR

15.99% to 23.99%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

Annual Fee

No Annual Fee.

Balance Transfers Intro APR

If you’re looking to earn maximum rewards back on your everyday shopping, you may want to consider the Amazon Prime Rewards Visa Signature Card. The card is free with a $99 Amazon Prime membership and the card pays 5% back on all Amazon.com purchases. Depending on how you spend, this card may result in greater net earnings for you.