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Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

 

Rated 3/5 stars by our editorial team

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  • Regular Purchase APR 26.99% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed

    Fair/Limited

  • Card Brand Mastercard®

Card Details

Highlights

  • Click "APPLY NOW" to apply online
  • 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

Card Fees

Foreign Transaction Fee None

Balance Transfer Fee $0

Cash Advance Fee 3% of the amount of the cash advance, but not less than $10

Penalty APR None

Ongoing Information

Rewards Rate Non-rewards Card

Annual Fee $0

Expert Reviews

From the CompareCards.com Editorial Team

The Capital One® Platinum Credit Card is made for those who want a card with Platinum Mastercard benefits, but only have average credit and cannot qualify for a better card option. There is no annual fee for this card, which is pretty rare for a card that doesn't require excellent credit to get approved. There is no balance transfer fee, which is nice, but there's also no intro balance transfer APR, so the APR sits at 26.99% (Variable).

The real reason to get the Capital One® Platinum Credit Card is to have a real Mastercard with features like text alerts to keep you informed about your account, $0 Fraud Liability if your card is lost or stolen, travel accident insurance, an extended warranty program, and more.

Expert Reviews of the Capital One® Platinum Credit Card

  • 3.0

    Regular APR

  • 2.0

    Intro APR

  • 3.0

    Fees

  • 2.0

    Benefits

  • star rating 3.0/5

    Overall Rating

The Bottom Line

If you have fair credit then this card gives you a way to enjoy the perks and features of a Mastercard, despite your less than stellar credit. The interest rate is pretty high, but there is no annual fee, no surcharge for doing a balance transfer, and you have access to some helpful account management tools.

The Good

The good thing about this particular card is that it allows someone to have a genuine Mastercard when they do not really have great credit. It's a great first-time credit card.

The Not so Good

The interest rate is high and if you carry a balance that can get really expensive, really fast. You should pay your balance in full each month with this card because of the 26.99% (Variable) APR.

Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.

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