If you have excellent credit, you can have no annual fee and save hundreds of dollars with the SmartLineTM Platinum MasterCard. As long as you pay your bill on time, you will enjoy a very low APR on purchases and balance transfers for a full three years with this Capital One credit card! With such a low APR, you’ll make progress on paying off your balance even faster. There is no balance transfer fee, so it costs nothing to move your balances over from high-interest credit cards and take advantage of this MasterCard’s low APR. The SmartLineTM Platinum MasterCard is loaded with platinum benefits, such as Purchase Assurance and Extended Warranty, which help protect the purchases you made with this card. You can also take advantage of Price Protection, which reimburses you if the price drops on an item shortly after you purchase it. Travel is made less stressful with the card’s travel accident insurance and car rental insurance. You also have easy access to lost baggage assistance, emergency cash transfers, lost ticket and document replacement, and more. Plus, you have $0 fraud liability with this Capital One, so if your card is used for unauthorized purchases, you won’t owe anything.