Add cards to start comparing.

Capital One® Platinum Credit Card

Apply Now

on Capital One's secure site

Capital One® Platinum Credit Card

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!

Apply Now

on Capital One's secure site


  • Regular Purchase APR

    24.99% (Variable)

  • Intro Purchase APR

    N/A

  • Intro BT APR

    N/A

  • Typical Credit Needed

    500

    600

    700

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

Card Fees

  • Late Payment Fees

    Up to $35

  • Foreign Transaction Fee

    None

  • Balance Transfer Fee

    $0

  • Cash Advance Fee

    3% of the amount of the cash advance, but not less than $10

  • Penalty APR

    None

  • Minimum Interest Charge

    See Terms*


Expert Reviews

  • Regular APR

    3.0

  • Intro APR

    2.0

  • Fees

    3.0

  • Benefits

    2.0

  • Overall Rating

    3.0 /5

From the CompareCards.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, which is nice, but there's also no intro balance transfer APR, so the APR sits at 24.99% (Variable).

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 24.99% (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.

Expert Reviews of the Capital One® Platinum Credit Card

  • Regular APR

    3.0

  • Intro APR

    2.0

  • Fees

    3.0

  • Benefits

    2.0

  • Overall Rating

    3.0 /5


Consumer Reviews 0 Reviews

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+-5 users submitted a rating without a full review

Sort by:

  • star
  • star
  • star
  • star
  • star

By: | 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.

  • star
  • star
  • star
  • star
  • star

By: | 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.

  • star
  • star
  • star
  • star
  • star

By: | Apr 22, 2016

Best overall quality service! This has helped my credit big time! I paying it off, each month.

  • star
  • star
  • star
  • star
  • star

By: | Apr 2, 2016

Very professional and they gave me a chance to help rebuild credit

  • star
  • star
  • star
  • star
  • star

By: | 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.


gif loader

Back to top