Capital One® Platinum Credit Card


For People with
Fair Credit

REVIEWS

Reviews

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

REVIEWS

Reviews

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Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 26.96% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $38
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 26.96% Variable
Balance Transfer Fee None
Cash Advances

Cash Advances

Cash Advance APR 26.96% Variable
Cash Advance Fee 3%, $10 minimum

Card Benefits

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

  • Account Alerts

    Get alerts about account information on your phone.

  • Mobile & Tablet Apps

    Manage your account from your phone or tablet.

  • Capital One Wallet℠

    Provides charge notifications, account balances, available credit, and rewards earnings.

  • Capital One CreditWise

    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.

  • Financial Tools & Tips

    Educate yourself on credit with Capital One resources.

  • Zero Liability Protection

    You will not be held responsible for unauthorized use of your card.

  • Capital One Second Look℠

    Capital One monitors your account for unusual and duplicate charges.

  • Extended Warranty Protection

    Extends a manufacturer’s warranty by up to 1 additional year, for eligible warranties of 3 years or less.

  • Price Protection

    If you find an eligible item you purchased at a lower price within 60 days, you can be reimbursed the difference.

  • Travel Accident Insurance

    Covers you and your family in case of physical accidents while traveling.

    Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision for eligible rental vehicles, as long as the car rental company’s own insurance is declined.

  • Mastercard Global Service

    Provides help with travel emergencies, including emergency card replacement or cash advances.

  • Roadside Assistance Hotline

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. Third party service fees apply.

Visitor Reviews

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Average rating:  
 2 reviews
by KSM
Trash company - you’ll regret opening an account

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.

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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