Capital One Platinum Credit Card
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If you’re looking for a straightforward, no-bells-and-whistles credit card to help build great credit, look no further than the Capital One Platinum Card. With no rewards, special offers, or annual fee to keep track of, you should be able to build up a positive credit history, as long as you’re using it responsibly.
Capital One Platinum Credit Card
Highlights & Features
Balance Transfers
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
| Intro Balance Transfer APR | N/A |
| Regular Balance Transfer APR | 26.99% (Variable) |
| Balance Transfer Fee | $0 |
Fees
| Penalty APR | N/A |
| Late Fee | Up to $40 |
| Returned Payment Fee | N/A |
| Additional Cards Annual Fee | N/A |
| Foreign Transaction Fee | None |
Cash Advances
Borrowing cash on your 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.
| Cash Advance APR | 26.99% (Variable) |
| Cash Advance Fee | 3% of the amount of the cash advance, but not less than $10 |
Capital One Platinum Credit Card
Highlights
- Pay no annual fee
- Be automatically considered for a higher credit line in as little as 6 months
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our 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
- Get access to your account 24 hours a day, 7 days a week
- Help build your credit through responsible use of a card like this
ABOUT THE ISSUER
Capital One
Capital One has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's websiteThe 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.
