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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 June 2016; 10.9%-20.9% variable APR after that
  • Balance transfers also have a 0% intro APR until June 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
674
Typical Low: 616
Typical High: 757
until June 2016   until June 2016  

0%

10.9% – 20.9%*

0%

10.9% – 20.9%*

 

Variable

 

Variable

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



213 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

No frills, no foreign transaction fee. Helpful to 4 out of 4 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, 17)

I got approved Helpful to 14 out of 14 people

I filed bankruptcy in 2011 due to job loss, we also had to foreclose on our home but we have been working hard to establish credit and improve our credit score. So far I had only been able to get department store credit cards cards, Target, Kohls, Walmart - ni VISA, MasterCard, etc logo. Today I applied and got approved for this card with a nice credit limit (I used to have Capital One and they were included in my Bankruptcy by the way). I am pretty excited. 

Thanks Capital One!

Jan 02, 2015
Helpful to 8 out of 10 people

Approved for 3k with 0 till mar 16 and 14% afterwards. gotta say pretty decent. score~700 and CK gave poor odds. Also Ck said i had a very good chance with discover it. I was a discover more holder for 3 years, paid about 1/3rd in interest and never missed a payment. The more has no balance now but they denied me the "it". Dont know what to think of Ck recommendations. I suggest to check the cap one's pre-screen website as someone else also posted.

rocknrolla27's response was:    

 
Dec 15, 2014

rocknrolla27(1, 8)

Just approved for Platinum card Helpful to 14 out of 15 people

I was just approved for the Capitol Obe Platinum card with a 5k CL and no interest until 3/16. After that my interest will be 10.9%. My FICO score is 756 (Walmart). This will now be my default card for purchases. I wish I got rewards however.... I guess you can't have it all. 

Nov 21, 2014
Liars, Cheaters, & Perpetrators of Fraud Helpful to 24 out of 30 people

When my wife signed up for this card there was an offer of $100 bonus when you spend $500 in the first 3 months as well as $25 for adding an authorized user to the account. When we called capital one to see about getting this offer they pretended they had no idea what we were talking about, and that no such offer existed. They later changed to this offer exists, but not with this card. We are not the only ones to have had this happen to them. All I can say is take screen shots of the offer & save the copy of your contract.

Nov 20, 2014

See all 213 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 September 2014 through February 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.

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