Capital One® Platinum Credit Card


For People with
Fair Credit

REVIEWS

Reviews

The Capital One® Platinum Credit Card is a good card if you have average credit and need a simple-to-use credit card that offers standard benefits.

Card Quick Facts

Card Quick Facts

  • 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
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Wise

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

None

How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 24.99% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR See Terms
Late Fee Up to $35
Returned Payment Fee See Terms
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 24.99% Variable
Balance Transfer Fee See Terms
Cash Advances

Cash Advances

Cash Advance APR 24.99% Variable
Cash Advance Fee 3%; Min:$10

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

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Average rating:  
 1 reviews
by David A.
Whats in my wallet

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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