Rated 3/5 stars by our editorial team
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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!
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Regular Purchase APR
29.74% (Variable)
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Intro Purchase APR
N/A
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Intro BT APR
N/A
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Card Fees
Foreign Transaction Fee
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $3
Expert Reviews
From the LendingTree.com Editorial Team
The Capital One Platinum Credit Card is made for those who want a card with Platinum Mastercard benefits, but only have average credit and cannot qualify for a better card option. There is no annual fee for this card, which is pretty rare for a card that doesn't require excellent credit to get approved. There is no balance transfer fee at the 29.74% (Variable) balance transfer APR.
The real reason to get the Capital One Platinum Credit Card is to have a real Mastercard with features like text alerts to keep you informed about your account, $0 Fraud Liability if your card is lost or stolen, travel accident insurance, an extended warranty program, and more.
The Bottom Line
If you have fair credit then this card gives you a way to enjoy the perks and features of a Mastercard, despite your less than stellar credit. The interest rate is pretty high, but there is no annual fee, no surcharge for doing a balance transfer, and you have access to some helpful account management tools.
The Good
The good thing about this particular card is that it allows someone to have a genuine Mastercard when they do not really have great credit. It's a great first-time credit card.
The Not So Good
The interest rate is high and if you carry a balance that can get really expensive, really fast. You should pay your balance in full each month with this card because of the 29.74% (Variable) APR.
Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.
Consumer Reviews 0 Reviews
+-6 users submitted a rating without a full review
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By: Russell Carter | Mar 2, 2019
This card is awesome. They raised my credit limit from $300 to $3,300. Note, it took four years and I never requested a credit limit. I simply waited and let it happen on its own. It could have happened earlier but I didn’t always exercise prudence in keeping my spending under one-third of my available balance AND paying my account on time. However, over the last six months I became aggressive in paying off my balance in full and never carrying a balance. If I used the card, I paid the item off as soon as it posted. That’s the key. Don’t wait for the statement to arrive in the mail. Pay off your balances as you accumulate them . It’s also a good way to limit your spending. You won’t spend what you can’t pay off immediately.
By: Desiree | Mar 21, 2017
This card is a life-saver. Their services are great. They understand circumstances and are willing to help anyone who has a issue when it comes to payments, purchases etc. Keep up the good work.
By: Carolyn | Aug 29, 2016
I applied for a credit card with Capital One. I was denied for the one I wanted. Then they pre-approved me for this one. I made all my payments one time. Now my credit limit is $500.00. I am just happy a company is giving me a chance to show I will pay them back Thanks Capital One.
By: Nelson | Apr 22, 2016
Best overall quality service! This has helped my credit big time! I paying it off, each month.
By: deanna | Apr 2, 2016
Very professional and they gave me a chance to help rebuild credit
By: Teertha | Mar 1, 2016
A good card for people with no credit, allows you to build credit wisely and track your credit score for free! You can also upgrade to a Venture card after 5 months of on-time payments.
Related Card Offers
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Intro Purchase APR
0% for 12 months on Purchases
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Intro Balance Transfer APR
0% for 21 months on Balance Transfers
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Regular Purchase & BT APR
17.49% - 28.24% (Variable)
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
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0% Intro APR
0% Intro APR for 15 months on purchases and Balance Transfers, then 16.49% - 27.49% Variable APR.
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Rewards Rate
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
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Sign-Up Bonus
Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
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Typical Credit Needed
-
Annual Fee
$0
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Card Brand
Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 16.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
- See Rates & Fees
See additional details for Discover it® Cash Back
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Welcome Offer
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
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Rewards Rate
Earn unlimited 2% cash rewards on purchases
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Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.49%, 24.49%, or 29.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don't expire as long as your account remains open
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- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
- See Rates & Fees
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