For People with
Fair Credit
The Capital One® Platinum Credit Card is a decent option if you have average credit, and need a simple-to-use credit card that offers standard benefits.
You’ll be able to access one of your VantageScore 3.0 credit scores through Capital One’s CreditWise tool, based on your TransUnion credit report, along with other credit monitoring tools. This handy service is available to anyone, even if you don’t have a Capital One card.
This card has no annual fee.
For People with
Fair Credit
Want to pay a bill or check your balance?
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
How balance transfers work
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
How cash advances workCheck your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.
Get alerts about account information on your phone.
Manage your account from your phone or tablet.
Provides charge notifications, account balances, available credit, and rewards earnings.
Free access to your VantageScore 3.0 credit score from TransUnion. And with the Credit Simulator, you can see how your actions affect your credit score.
Educate yourself on credit with Capital One resources.
You will not be held responsible for unauthorized use of your card.
Capital One monitors your account for unusual and duplicate charges.
Extends a manufacturer’s warranty by up to 1 additional year, for eligible warranties of 3 years or less.
If you find an eligible item you purchased at a lower price within 60 days, you can be reimbursed the difference.
Covers you and your family in case of physical accidents while traveling.
Provides coverage against theft and collision for eligible rental vehicles, as long as the car rental company’s own insurance is declined.
Provides help with travel emergencies, including emergency card replacement or cash advances.
Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. Third party service fees apply.
Not the card for you? Try one of these:
Read more about this card.
Read about experiences others have had with this card and leave your own review here.
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Absolute trash of a company. I opened an account with Capital One in November, was supposed to have received my card by mid-November. Never received the card, I’ve called 6 times and each time they tell me to wait patiently. As someone who has open accounts with Schwab and American Airlines, Capital One should be horrified by its customer service. I regret ever opening my account and I cannot tell people enough to avoid this company.
Since graduating in 1992, I had obtained credit cards, Mastercard&Visa and in 1998 American Express Optima. I had 2 Captial One credicards 2004&a secured card in 2011.I made errors and in my late 30s, I started to get serious about my credit and for 3 years. In 2015 I got 2 secured cards a Wells Fargo,Visa&Usbabk Visa. I disputed 4 old collection accounts and after my 2nd mailing to the 3 credit reporting agencys and collectors (609act) letter all 4 was removed. I keep my utilazation to 10% to 0 my score went from 499 to the high 690s, I then applied for the Capital One Platinum Mastercard and was approved $1,300 then the next day Usbank graduated me to a Platinum unsecured Visa a Week later Wells Fargo did the same with my Platinum Visa.Capital One gave me a 3rd chance&im keeping them and my other 2 cards for life.
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