Capital One® Platinum Credit Card

Cardholders' Choice i
Cardholders' Choice i
Apply now
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • 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 strengthen your credit for the future with responsible card use
Annual Fee:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
24.99%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
24.99%*
Variable

Details, Rates & Fees

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* 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 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 24.99%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $35
Penalty APR None
Balance Transfer Fee $0
Foreign Transaction Fee None
Return Payment Fee See Terms*

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Anonymous
Applied through Credit Karma
by Anonymous
Helpful to 154 out of 160

I have a very low credit score, I've had financial problems for a couple years now. My score did start to come up within the past 6-8 months. Credit Karma said my odds for getting approved for this card was "good" so I took the chance. I instantly got approved for a $300 balance with no deposit down! I haven't gotten approved for a credit card in 7 years so this was huge for me. It says after the first 5 monthly payments made on time, I'll get an increase. I'm excited to rebuild my credit. Thanks Capital One and Credit Karma!

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
wkugirl497
It's fine for what it is
by wkugirl497
Helpful to 72 out of 75

$300 limit you can't do much with, but it's a good card to get you start back on a credit journey. Thanks to owning this card (and four months later upgrading to the Quicksilver - the one with no annual fee), my score increased and I was able to get approved for the Chase Freedom Unlimited with a $3,500 limit. 


Our Take

The Capital One® Platinum Credit Card is a good choice for people looking to establish or rebuild their credit.

What to Like

Cardholders pay no annual fee. Credit lines start small, but can increase over time with reliable payments. The Capital One® Platinum Credit Card also offers $0 fraud liability if your card is lost or stolen, and there’s no balance transfer fee.

Look Out For

Like a lot of cards geared toward establishing or building credit, this card has a relatively high interest rate. You could face high interest costs if you don’t pay off your balance in full each month.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from April 2017 through September 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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