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

724 Average Credit Score Approved for this Card
659 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Until January 2010   Until January 2010  









* 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.

Offer Details:

Cash Advance Rate


Annual Fee


Late Fee


Cash Advance Fee

3.00%, Min: $10

Balance Transfer Fee


Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees




Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance

  • 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.

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!

210 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


I was accepted with a 687 credit score. Now I pay off the entire amount every month. It's a good card to build credit, but my credit limit was only $300.

wataeli's response was:    

  Apr 16, 2014

wataeli(1, 0)

Review by wataeli

1 Contributions 0 People Helped


Applied and denied as well even though creditkarma said I had a very good chance of being approved. So much for that.

keezay's response was:    

  Apr 16, 2014

keezay(1, 0)

Review by keezay

1 Contributions 0 People Helped

My Credit score is 685. Helpful to 5 out of 5 people

They denied me even though I have a score of 685 and have made my payments on time for the past 20 years. Credit Karma said I had a really good approval rate. Denied. Now I have a hard inquiry on my credit report. Awful!

Bear281's response was:    

  Apr 12, 2014

Bear281(1, 5)

Review by Bear281

1 Contributions 5 People Helped

What a scam Helpful to 3 out of 5 people

Credit Karma also said I had Very Good chance of approval, and I was denied. Screw this site.

Fitzu's response was:    

  Apr 10, 2014

Fitzu(2, 3)

Review by Fitzu

2 Contributions 3 People Helped

Accepted Helpful to 4 out of 4 people

Accepted with 696 CK score, but unlike some of the other applicants that i see in these reviews, I already have another Capital one card....this is why I think I got approved and those with better numbers have not.

Steve7872's response was:    

  Apr 08, 2014

Steve7872(1, 4)

Review by Steve7872

1 Contributions 4 People Helped

See all 210 Reviews of Capital One® Platinum Prestige

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.