Capital One® Standard Platinum Card, Editor Reviewed at CompareCards.com

Capital One® Standard Platinum

Editor's Rating: 8.0
Consumer Rating: (4 ratings) 7.5

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Intro APR:	0%
Regular APR:	19.80%
Annual Fee:	None

Intro Period:	Until May 2009
Balance Transfer:	Yes
Credit Needed:	Average

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Buy what you've been dreaming of and pay no interest until May 2009 on purchases
Save with no annual fee
Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving Zone(SM) on Yahoo! Shopping
Know you are protected with $0 fraud liability if your card is ever lost or stolen

EDITORS' RATINGS OVERALL SCORE

8.0

Overall

The Bottom-Line

A good basic card for anyone who wants to focus on building their credit history. No annual fees and a zero percent introductory offer make this extra attractive.

The Good

A zero percent introductory rate on purchases and a manageable credit limit of between $300 and $3000 make this a good card for anyone with average credit history.

The Not So Good

Interest rates can be a bit high. Payments will need to be made on time to avoid penalty charges which can be expensive.

CARD DESCRIPTION

For anyone with an average credit history the Capital One® Standard Platinum card is a good no-frills option. Featuring a manageable credit limit and no annual fees, this card offers relief from high interest rates and platinum extras that include an online shopping site for savings of up to 40%.

If you have less than perfect credit and you are seeking a card that gives you the opportunity to correct this and try to improve your credit without incredibly high rates and fees, then the Capital One Standard Platinum card may be the perfect card choice for you. The Capital One Standard Platinum card has a 0% rate on purchases for a limited time only and after that it shifts to a variable APR. The card has no annual fee and a manageable credit limit between $300 and $3,000 which makes it great for someone with an average credit history or a possible troubled credit history.

You can also get special savings and featured deals with this card such as 40% off certain deals and 10% off Capital One ® Savings Zone(SM) on Yahoo! Shopping so you can get more when you spend with your card. The interest rate on the Capital One Standard Platinum card is somewhat high but it is decent for people who have less than perfect credit and do not have many card options to choose from.

Read Customer Reviews (Last Reviewed: Aug 06, 2008)

DETAILED EDITORS' RATINGS

8.0

Introductory APR

0% on purchases until February 2009

8.0

Benefits

A low introductory rate on purchases with platinum extras such as fraud protection and access to the Capital One® Savings Zone(SM) on Yahoo! Shopping for up to 40% savings on featured items and 10% savings on all other purchases.

9.0

Fees

No annual fee and no transfer fee.

7.0

Regular APR

Variable rate of 19.80%