Capital One Platinum Credit Card | CompareCards.com

Capital One Platinum Credit Card

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Capital One Platinum Credit Card

 

Rated 3/5.0 stars by our editorial team

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Rates & Fees
  • Regular Purchase APR 29.99% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed Limited / Fair
  • Card Brand Mastercard®
  • Regular Purchase APR 29.99% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed Limited / Fair
  • Card Brand Mastercard®

Highlights

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's 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
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Card Fees

Foreign Transaction Fee

None

Balance Transfer Fee

Balance Transfer Fee applies to balances transferred at a promotional rate

Penalty APR

None

Ongoing Information

Rewards Rate

Non-rewards Card

Annual Fee

$0

Expert Reviews

From the CompareCards.com Editorial Team, updated on May 21, 2024

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. It's important to note that a Balance Transfer Fee applies to balances transferred at a promotional rate.


Expert Reviews of the Capital One Platinum Credit Card

  • 3.0

    Regular APR

  • 2.0

    Intro APR

  • 3.0

    Fees

  • 2.0

    Benefits

  • 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, 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 29.99% (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.

Consumer Reviews

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YOUR RATING

 

Rated 3/5.0 stars by our editorial team

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