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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.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 26.99% Variable

Capital One® Platinum Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Balance Transfers

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.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 26.99% Variable
Balance Transfer Fee $0
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

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.

Cash Advance APR 26.99% Variable
Cash Advance Fee 3% of the amount of the cash advance, but not less than $10
How to Get a Cash Advance with a Credit Card
Capital One® Platinum Credit Card

Highlights

  • 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
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 website

Speak to Customer Service

1-800-227-4825 or

Try a different phone number
See all Issuer Cards

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.