Capital One® Platinum Credit Card

76 Reviews | Write a Review

Offered by: Capital One

1-866-960-8706

Purchase Intro Rate N/A
Purchase Intro Period N/A
Balance Transfer Intro Rate N/A
Balance Transfer Intro Period N/A
Regular APR 24.9% (V)*
Balance Transfer Rate 24.9% (V)
Cash Advance Rate 24.9% (V)
Annual Fee $19
Late Fee up to $35
Cash Advance Fee 3%, Min: $10
Balance Transfer Fee $0

Capital One® Platinum Credit Card features:

  • $0 intro annual fee for the first year; $19 after that
  • Image Card - personalize your card with an image of your choice
  • $0 Fraud Liability if your card is lost or stolen
  • Monitor your spending with free text message alerts

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

These savings are calculated using national averages. Log in to see your own savings!

How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

 

Year 1

Year 2

Year 3

Balance Transfer Cost info Fees charged by the credit card company to transfer balances. Usually charged as a percent of the balance transfer amount.

$0

$0

$0

Interest Savings on Transferred Balance info Difference between the interest charged on your existing credit card(s) and the interest charged on this card with the same balance.

$0

$0

$0

Interest Savings on New Purchases info Difference between the interest charged for new purchases on your existing credit card(s) and the interest charged on this card.

-$245

-$383

-$577

Value of Rewards on New Purchases info Difference between the rewards (normalized to dollar amounts) from the purchases on your existing credit card(s) and this card.

$0

$0

$0

Value of Bonus Points info Bonuses provided by the card for either application or usage. Bonus in the form of either miles or points are converted to dollar amounts.

$0

$0

$0

Annual & Application Fees info Sum of the fixed fees associated with the card. The fees are charged regardless of card usage.

-$19

-$19

-$19
 
Savings:
Total Annual Savings

-$264

-$402

-$596
Total Savings over 3 Years

-$1,261

Calculations are estimated based on your credit card usage combined with offer data and are for illustration purposes only.

Reviews

Most Recent Reviews

Instant approval!  Had one credit card in College.  This will be my second one and I have nothing else  on my credit history.  I was surprised to get an instant approval with such a limited history.

rileach1 1 day ago

Denied with a 740 beacon. I have had a Cap1 card for 12 years now (it was my first CC). Made 2 consecutive late payments in college 7 years ago; Cap1 did not close my account but deactivated my card. The Cap1 account shows up as open/pays as agreed on my CR with a $300 limit - I tried to get it reactivated so I could increase the CL (I think the $300 limit looks bad on my report) but the customer service rep (Indian call center) said they would not reactivate the card, and I would have to reapply. I got an instant denial because of the late payments back in 2005 (they didn't even check my CR). I would rather just have the Cap1 entry deleted from my report even though it is not negative/derog. For what it's worth, I have perfect payment history on all accts since 2005; was approved without problem for an Amex, Discover, Bank of America Visa, 3% APR used car loan etc.

CaseyPedler 5 days ago

 My wife and i cleared up a massive amount of debt, we have lived witout credit cards for over 4 years. our scores are in the 640-ies. we both got instantly approved for one with $2000,-. each

it is not my first choice as a card, but hey, it is a new season and we start at square one. i plan to upgrade over the coming years.

asiolo 5 days ago

I've been rebuilding my credit for about 2 years. I started off with 2 secured credit cards and just been building up my credit score by paying them off in full each month. I applied for this card on Sunday and was instantly approved for 500.00. This is my 2nd Capitol One Card and I am very happy with them so far. CS was 572 when I applied with a 100% on time payment record. Pay your bills on time people it really makes a difference, trust me!

Anonymous 1 week ago

Cap One sent me an offer for this card directly. I assumed because I was a previous customer in good standing (they closed the account for inactivity). They approved me instantly for $500. When I called to activate the new card, I got a lecture on building credit from the CSR. Citi gave me a $5,000 card just a week later. The Cap One card is getting cancelled.

Anonymous 1 week ago

See all 76 Reviews of Capital One® Platinum Credit Card

Write a review of Capital One® Platinum Credit Card

Credit Score Approval Data

Ideal for those with Poor Credit:

607

AVERAGE Credit Score Approved for this Card

511

LOWEST Credit Score Approved for this Card

† Credit Karma members have received approvals with these Credit Karma credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.

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