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Sony Card from Capital One Review

Get 5,000 points after your first purchase

About.com Rating 4.5 Star Rating

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You earn five points per dollar on Sony purchases and three points at restaurants and movie theaters.

Who the Sony Card from Capital One is for

  • Customers who want to earn rewards on their Sony purchases, restaurants and movies.

Credit Rating Required

  • Fair to excellent (600+)

About the Sony Card from Capital One

Pros

  • 5,000 bonus points after first purchase.
  • No interest on purchases for nine months.

Cons

  • You must submit a "bonus points form" to get extra points on Sony purchases at authorized dealers.

Rewards

  • Five points per dollar on Sony purchases at Sony stores, Sony.com and Sony authorized retailers.
  • Three points per dollar spent at restaurants and on movies.
  • One point per dollar on all other purchases.

APRs

  • 0% on purchases for nine months.
  • 13.9% to 24.9% on purchases and balance transfers, depending on your credit history.
  • Penalty interest rate: 29.4%.

Fees

  • Annual fee: None.
  • Late payment fee: Up to $35.
  • Return check or payment fee: Up to $35.
  • Over the limit fee: None.
  • Balance transfer fee: None.
  • Foreign purchase fee: 3%.

Sony Card from Capital One Review

If you have your eye on a new Sony Bravia high-definition television or a new Vaio laptop computer, you might want to consider getting this credit card first to save yourself some money.

This card, issued by Capital One, offers pretty generous rewards. You get 5,000 bonus points after your first purchase. You earn five points per dollar on purchases of Sony products, either at Sony retail stores, Sony.com or Sony authorized dealers. So, if you buy that new Bravia HDTV for $2,000, you'll earn 10,000 points.

You earn three points per dollar on all restaurant purchases - including fast food, casual dining, and to-go and delivery orders - and movie purchases and rentals, including downloads, theatre tickets, even popcorn at the concession stand. You also earn one point on all other purchases.

One catch: If you buy a Sony product at an authorized dealer, you only get one point per dollar automatically. To get credit for the other four points, you must fill out and submit a "bonus points form," available on Sony's website.

You also must first register for the Sony Rewards Program to redeem your points. Program membership is free.

If you're planning to make a big-ticket Sony purchase, there's a 0% APR for nine months. That should also save you some money. After that, APRs range from a reasonable 13.9% to 24.9%, depending on your credit history.

You can redeem your points for everything in the online Sony rewards catalog, including electronics, games, movies and music, or gift cards to a variety of restaurants and retail stores.

Recommendation

If you're looking to buy a high-end Sony product soon, this card will come in handy.

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