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Offered by: Capital One
Apply by phone: 1-866-960-8706

Capital One® Platinum Prestige Credit Card

  • Get 0% intro APR on all purchases until July 2016; 10.9%-20.9% variable APR after that
  • Balance transfers also have a 0% intro APR until July 2016, a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • Pick the monthly due date that works best for you

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
679
Typical Low: 617
Typical High: 761
until July 2016   until July 2016  

0%

10.9% – 20.9%*

0%

10.9% – 20.9%*

 

Variable

 

Variable

Additional Details

Click here for Additional Details

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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.

Offer Details:

Cash Advance Rate

24.9%* Variable

Annual Fee

$0

Late Fee

Up to $35

Cash Advance Fee

See Terms

Balance Transfer Fee

3%

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

‑$527

$0

$0

Interest Savings on Transferred Balance

$4,051

$2,452

$1,451

Interest Savings on New Purchases

$1,676

$2,740

$5,016

Value of Rewards on New Purchases

$0

$0

$0

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$5,200

$5,193

$6,467

Total Savings over 3 Years

$16,860

Credit Card Usage Profile

Transfer a Balance
Edit
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
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.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Current Balance
Credit Limit Utilized

Sample Size: 5,849
Data Created: February 02, 2015



215 Cardholder 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 Recent Reviews

Some advice for improving your score Helpful to 10 out of 12 people

Capital One Platinum MasterCard: Approved with scores in the 675 range. 

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I've been on the "rebuilding my credit" route for two years since filing a Chapter 7 in 2013. The Capital One is the second new card I've been approved for.  First was Barclay Mastercard. I also have an existing eBay MasterCard with a small $700 limit which I managed to hold onto through the bankruptcy, as it was at zero balance at the time. 

I have learned that the percentage of credit used has a BIG impact on your credit score. This is the sole reason I added another card, in hopes of bringing this figure down (and my credit score up).  IT WORKED LIKE A CHARM! 

Although I had been paying the full balances every single month on my two existing cards, I have generally been ringing up purchase in the $1,000 to 1,800 per month range. So with a $3,700 limit, I was showing anywhere from 30 to 50% usage. That high of a percentage rate pulls your score down. 

Capital One approved me for a $3,000 limit on the new card. So now that my line is $6,700, I've dropped to the 15-25% usage range.  An additional benefit:  Barclay recently bumped me up another $500 for having been a good boy. So my line is now $7,200; therefore my usage has dropped down to as low as 5-8% in some months.  As a result, my scores have gone up anywhere from 20 to 35 points across the board. Now I'm at 710 on both Experian and Equifax, and 697 with TransUnion..... simply because I added a new card!  

Let me strongly offer these two pieces of advice:  (1) Spread the spending around. In other words, run them up equally, don't heavy up spending on any single card. 

(2) Pay them off in full each month if at all humanly possible. All of these cards have HIDEOUS interest rates, but I'm not carrying any balance, so I'm dodging that bullet. 

One final word: The Capital One card I was approved for is simply called "Platinum."  Not "Classic," or "Prestige," or any of their other producs.  Just regular "Platinum." It has a zero annual fee, which they compensate for by cranking up the interest rate to a shocking 24.9 percent. But again, I'm not paying any interest, so I beat 'em on that shtick. 

TE1Chicago's response was:    

 
Apr 11, 2015

TE1Chicago(7, 17)

CapitalOne has been in my wallet 4 yrs Helpful to 2 out of 4 people

Never missed a payment, paying tripple the minimum payment due before the due date for 4 years now, carrying half the balance of my credit limit. I just applied and got denied, Credit score 714. Asked for credit limit increase on my current CapitalOne card.....and yep! you guessed it....DENIED!

I was referred by Credit Karma to this website NFL card from BarclaysBank and got approved instanly $4,000 with balance transfers 0% for 15 months if done within 45 days of openning it. AND $0 balance transfer fee. CapitalOne you will be paid off ASAP and no longerin my wallet.

https://www.creditkarma.com/events/redirect/external?usageProfile=balance&eventcode=ViewCCDetails&eventinformation=CCBarclays1205&ovmtc=Review_CC&s=__ck_bs&adgroup=inline&returnurl=https%3A%2F%2Fwww.creditkarma.com%2Fcreditcard%2FCCBarclays1205%3ForiginEvent%3D%5Bckanonid%5D

espybaby's response was:    

 
Mar 28, 2015

espybaby(2, 5)

No frills, no foreign transaction fee. Helpful to 7 out of 8 people

Pro: If there's one thing that Cap One is known for is no foreign transaction fees on their credit cards.

Con: Customer service is best when you don't deal with them. My record is getting the card suspended on suspected fraud 3 times in a 2 month period - it's my only no foreign transaction fee card so I had to leaned on it more than I usually do.

Cap One also tends to be generous with the credit limits ($18k, my highest) and stingy with the APR (14.9%, my highest.)

Gennadios's response was:    

 
Mar 13, 2015

Gennadios(4, 20)

See all 215 Reviews of Capital One® Platinum Prestige Credit Card

† These Approval Odds represent Credit Karma's estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ 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 October 2014 through March 2015. 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.