Platinum Credit Card from Capital One® review

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7.3/10
Informr score
The Platinum Credit Card from Capital One® currently has an Informr score of 7.3 out of 10. This score is based on our evaluation of 26 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Platinum Credit Card from Capital One® is typically available to those with average credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


WalletHub

The Capital One® Platinum Credit Card is one of the best starter credit cards on the market, particularly for those who lack an active college or university email address. Access to student-branded offers expands your options quite a bit in an otherwise uncompetitive segment of the market, but that...

- John S Kiernan, WalletHub
The Points Guy

The Capital One Platinum isn’t breaking new ground as a starter card, but it’s a solid, middle-of-the-road option for beginners. If you’re applying for this card, use it as a tool to improve your credit so you can eventually apply for something more rewarding. With responsible credit card use, you’l...

- Chris Dong, The Points Guy
Investopedia

The Platinum credit card from Capital One is an ideal card for people with average credit who want to build their credit history. It’s not appropriate for rewards seekers because it doesn’t offer any. But with no annual fee, there's no risk in keeping it, and once you’ve established a solid credit h...

- Reyna Gobel, Investopedia
The Simple Dollar

The Capital One® Platinum Credit Card provides beginners — and those who’ve had a couple of credit missteps — with a way to build up a better credit score. While you may start out with a lower credit limit, on-time payments can unlock access to a higher line of credit. This is an excellent choice fo...

- Michelle Wilson, The Simple Dollar
FinanceBuzz

If you’re looking to build or rebuild your credit or you simply have an average credit score at present, this card may be a great fit for you. And if you’re also looking for additional perks outside of building credit, the Capital One Platinum Credit Card does pack some power. Additionally, if you d...

- Brett Holzhauer, FinanceBuzz

Details


Interest Rates
Regular APR Interest Rate 26.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 26.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00
Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection Yes
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay
Virtual Cards Yes
Additional Benefits

Roadside Assistance

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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