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Offered by: Capital One

Capital One® Platinum Prestige

  • Save with a 0% intro APR until January 2010 on purchases and balance transfers
  • Then enjoy a variable APR, now 7.15%
  • Save time and money by transferring higher-rate balances so you can make one easy payment each month
  • No annual fee


Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
N/A
Typical Low: N/A
Typical High: N/A
Until January 2010   Until January 2010  

0%

7.15%

0%

7.15%

 

 

 

 

* 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

21.15%

Annual Fee

None

Late Fee

$15.00

Cash Advance Fee

3.00%, Min: $10

Balance Transfer Fee

3.00%

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

‑$527

$0

$0

Interest Savings on Transferred Balance

$4,051

$3,394

$2,094

Interest Savings on New Purchases

$1,676

$3,869

$7,118

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

$7,263

$9,211

Total Savings over 3 Years

$21,675

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: None
  • 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 of This Card

Capital One® Platinum Prestige Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!


216 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

Overall Ok,.. It's a Credit Card,.. Helpful to 2 out of 2 people

Applied for this card online after several Pre-Approved mailed offers. Instantly approved with $1000 credit line,.. Current Fico was 648 Trans 600 EQ and about 615 EXP... seems like they pulled all 3 or Trans and EQ,.. (Cost me 15 points but i should get them back soon)... had about 75% UTI at the time no recent missed payments but a few baddies over 1 year and lien..  The offer is 0% APR until Jan 2016,.. $0 Annual Fee, and travel insurance etc perks,...No rewards,.. 22% APR after grace period and possible increase after 6 months of on time payments,..  this is my 7th credit card and although its not the best APR or limit (others range from 9%-20% with limits from $1000-5000) I got it to help lower my UTI since my money is kinda tide up.. I'm Gardening my credit for the long hual and hoping for Auto Increases,..  Will Def not carry balance on this one,.. But im happy to be Approved with an ok/decent start,.. as Cap One is known for giving ultra low $300 limits,..   I say if you can get a better card like discover you may have better rate and limit,.. but this one is good for new credit, credit rebuilding,.. or if you just need more in credit... because this one helped me reach $16.5K in credit limits

800ficogirl's response was:    

 
Apr 27, 2015

800ficogirl(6, 5)

Some advice for improving your score Helpful to 14 out of 16 people

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

-------

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, 25)

CapitalOne has been in my wallet 4 yrs Helpful to 5 out of 7 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, 8)

See all 216 Reviews of Capital One® Platinum Prestige

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for 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 November 2014 through April 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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