My husband received an offer today from Capital One for their Clarity Mastercard. It is 0% APR always (not an introductory offer) 0% for balance transfers, cash advances. 0 fee for cash advances, late payment fees, over line of credit and balance transfer, and membership fee. The minimum finance charge = "this fee is considered a Finance Charge" is $7.00 for every 1,000.00 of account balance. So, a 5,000.00 balance would be a 35.00 monthly payment. I have read the disclosure and can't find "the catch" other than the fact if you only paid that low monthly fee you may have this balance for a long time. I am seriously thinking of transferring a balance from my 9% card to this and of course sending much more than the minimum required to pay off the balance. My other CC is at 2.5% and I never thought I'd see anything for lower than that. How can Capital One offer this? It doesn't seem that they would make any money off of this. Any thoughts on this offer? Am I missing something?