THE GOOD

COMPETITIVE POINT OFFERINGS:

As you might expect, the Sony Card from Capital One® offers great rewards associated with Sony purchases. You will receive five points for every dollar you spend on Sony products at Sony stores, Sony.com, and other authorized Sony retailers. In addition, you receive 3 points per dollar on dining out and the movies, and 1 point per dollar on all other purchases.

EASY-TO-EARN BONUS:

Many rewards cards offer some form of bonus for signing up for the credit card. However, you generally have to reach a certain spending point in order to be eligible. The Sony Card from Capital One® includes a bonus, and it is relatively easy to earn. Once you receive your card and register for the Sony Rewards program online, you have 90 days to make a purchase through SonyRewards.com. After this first purchase, you will receive 5,000 bonus points to your account.

NO ANNUAL FEE:

With a specialized rewards card like the Sony Card from Capital One®, an annual fee might be a deal breaker. Unlike some competitor rewards cards, the Sony Card from Capital One® does not have an annual fee. This allows you to earn the great Sony rewards, and not have to worry about whether or not the card is worth it.

DECENT INTRODUCTORY RATES:

With rewards cards, finding a 0% introductory interest rate is not very difficult. What does vary is the length of time the 0% interest rate is available. The Sony Card from Capital One® offers a 0% introductory APR until April, 2014. This could potentially give you plenty of time to make a decent-size purchase and then pay off the balance without ever paying interest.

THE BAD

MISSING SOME ADDITIONAL BENEFITS:

Credit card companies often include benefits that accompany card ownership. Some of these benefits include things like roadside assistance and travel insurance. The Sony Card from Capital One® does include several benefits, but when compared to some of the other major rewards cards, it does come up a bit short. If additional benefits are particularly important to you, the Sony Card from Capital One® may not be the best fit.

LIMITED REDEMPTION OPTIONS:

The Sony Card from Capital One® is a specialized credit card that offers amazing benefits when it comes to Sony electronics. One drawback of a specialized card is that the redemption options are relatively limited. A standard rewards card will often allow you to redeem points for airline tickets, car rentals, hotel rooms, and a variety of other merchandise. The Sony Card from Capital One® is not the right choice if you are interested in a broad set of redemption options.

THE DETAILS

Rates and Fees
Annual Fee $0
Cash Advance Fee $10 or 3% per cash advance
Cash Advance Rate (APR) 24.9%
Foreign Currency Transaction Fee None
Introductory Rate (APR) 0% through the end of 2013
Standard Rate (APR) 13.9% - 24.9%
Penalty Fees
Default Penalty Rate (APR) 29.4%
Late Payment Fee Up to $35
Minimum Interest Charge $0.50
Over-Limit Fee None
Returned Payment Fee Up to $35
Balance Transfers
Introductory Balance Transfer Rate (APR) None
Standard Balance Transfer Fee None
Standard Balance Transfer Rate (APR) 13.9% - 24.9%
Rewards
Additional Rewards for Dining 3 points per $1
Additional Rewards for Gas None
Additional Rewards for Groceries None
Additional Rewards for Shopping None
Additional Rewards for Travel None
Bonus Points Offered None
Rewards Earnings for All Purchases 1 point per $1
Sign-Up Bonus 5,000 points after first purchase
Type of Reward Points

FEATURES

Title
  • Offers Companion Reward The airline credit card offers a companion airfare reward.

  • Additional 2:1 Rewards Categories The credit card offers 2:1 rewards or more for at least one additional purchase category - like dining, travel, gas, groceries, shopping, or other.

  • No Blackout Dates There are no blackout travel dates for your points, miles, or cash back rewards.

  • Sign-Up Bonus The credit card offers a sign-up bonus reward.

  • Unlimited Rewards You can accumulate an unlimited amount of points, miles, or cash back rewards with your credit card.

  • 2:1 Rewards or More The credit card offers 2 Points, 2% Cash Back, or 2 Miles or more for every dollar spent.

  • Bonus Points Offered The credit card offers bonus points you can earn throughout the year.

  • No Expiration Your rewards points, miles, or cash back rewards will never expire.

  • Early Boarding You receive priority boarding benefits as an owner of the credit card.

  • First Bag Free Your first checked bag is free.

  • In-Flight Spending Bonus You receive a discount or additional bonus points on all in-flight expenditures.

  • 24/7 Live Service You can speak with a live representative at any time of day about your credit card.

  • Emergency Support The credit card offers emergency support.

  • Fraud Liability The credit card offers fraud liability protection.

  • Exclusive Events You have access to exclusive events with the credit card.

  • Partner Point Transfer You can exchange your points for equal value with participating partners of the credit card, like hotels or airlines.

  • Price Protection You will be reimbursed the difference of any purchase made within a certain time period if you find a lower advertised price.

  • Purchase Security You will receive a refund for any item that a retailer doesn't accept as a return within a certain time period.

  • Book in Someone Else's Name You can use your airline rewards to book a trip in someone else's name.

  • Redeem on Other Airlines Rewards can be redeemed for airline travel on other airlines.

  • Redeem for Gift Cards Rewards can be redeemed for gift cards.

  • Redeem for Merchandise Rewards can be redeemed for merchandise.

  • Redeem Online You can redeem your points, miles, or cash back rewards online.

  • Redeem for Airline Travel Rewards can be redeemed for airline travel.

  • Redeem for Car Rental Rewards can be redeemed for car rental.

  • Redeem for Cash Back Rewards can be redeemed as cash back or statement credit.

  • Redeem for Hotel Rewards can be redeemed for hotel stays.

  • Redeem for Other Rewards can be redeemed for other categories, such as magazine subscriptions or charity donations.

  • Apply In Person You can apply for the credit card live in person.

  • Apply Online You can complete the entire credit card application process online.

  • Instant Approval You can get instant approval for the credit card.

  • Apply By Phone You can complete the credit card application process via phone.

  • No Introductory Balance Transfer Fee The credit card doesn't charge a percentage fee on the new balance transferred to the card.

  • Transfer from Credit Cards You can transfer a balance from another credit card.

  • Introductory Balance Transfer Rate (APR) The credit card offers an introductory balance transfer rate (APR).

  • Transfer from Loans You can transfer a balance from a loan to the credit card.

  • Car Rental Insurance The credit card offers car rental insurance.

  • Extended Warranty The credit card offers an extended warranty on purchases.

  • Lost Luggage Insurance The credit card offers lost luggage insurance.

  • Travel Insurance The credit card offers travel insurance.

  • Flight Insurance The credit card offers flight insurance.

  • Roadside Assistance The credit card offers roadside assistance.

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