Capital One Platinum review

Compare Compare  
Advertiser Disclosure



7.5/10
Informr score
The Capital One Platinum currently has an Informr score of 7.5 out of 10. This score is based on our evaluation of 20 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Capital One Platinum 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...


NextAdvisor

The Capital One® Platinum Credit Card was specifically created for those with an average or limited credit history. It has no annual fee, which is a nice perk for a card targeted at those with less-than-perfect credit. Users will also benefit from text messages to help monitor your spending and $0 f...

- NextAdvisor
CreditCards.com

If you want to build credit without a secured credit card, the Capital One Platinum credit card is worth a look for its valuable perks and features that make building credit easy.

- Holly Johnson, CreditCards.com
MyBankTracker

Ultimately, this card stands to benefit people who are committed to getting their credit score on the right track and are able to pay their balance in full and on time every month.

- Rebecca Lake, MyBankTracker
Credit Karma

The no-frills Capital One® Platinum Credit Card has no annual fee, no balance transfer fee, and is designed to help users build their credit. But watch out for the high variable APR of 19.99% - 26.99% on purchases and balance transfers.

- Melanie Lockert, Credit Karma
Credit Card Insider

Designed for people who are looking to improve their credit scores. It’s a card for average or fair credit, so if you’ve had trouble qualifying for other cards this one could be a good option for you.

- Brendan Harkness, Credit Card Insider

Details


Interest Rates
Regular APR Interest Rate 26.99%

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

Balance Transfer Interest Rate 26.99%

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

Cash Advance Interest Rate 26.99%

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 $38.00

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
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
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Capital One Platinum

Rate It:

Critic Reviews


NextAdvisor

Good for those with average credit who are looking to rebuild their credit history

The Capital One® Platinum Credit Card was specifically created for those with an average or limited credit history. It has no annual fee, which is a nice perk for a card targeted at those with less-than-perfect credit. Users will also benefit from text messages to help monitor your spending and...More

The Capital One® Platinum Credit Card was specifically created for those with an average or limited credit history. It has no annual fee, which is a nice perk for a card targeted at those with less-than-perfect credit. Users will also benefit from text messages to help monitor your spending and $0 fraud liability if your card is lost or stolen.

Read full review

Less

CreditCards.com

Features that help you build credit

from CreditCards.com

If you want to build credit without a secured credit card, the Capital One Platinum credit card is worth a look for its valuable perks and features that make building credit easy.

Read full review

If you want to build credit without a secured credit card, the Capital One Platinum credit card is worth a look for its valuable perks and features that make building credit easy.

Read full review

Less

MyBankTracker

Designed for people who have fair credit and want to start rebuilding their score

from MyBankTracker

Ultimately, this card stands to benefit people who are committed to getting their credit score on the right track and are able to pay their balance in full and on time every month.

Read full review

Ultimately, this card stands to benefit people who are committed to getting their credit score on the right track and are able to pay their balance in full and on time every month.

Read full review

Less

Credit Karma

A simple, no-frills credit card

from Credit Karma

The no-frills Capital One® Platinum Credit Card has no annual fee, no balance transfer fee, and is designed to help users build their credit. But watch out for the high variable APR of 19.99% - 26.99% on purchases and balance transfers.

Read full review

The no-frills Capital One® Platinum Credit Card has no annual fee, no balance transfer fee, and is designed to help users build their credit. But watch out for the high variable APR of 19.99% - 26.99% on purchases and balance transfers.

Read full review

Less

Credit Card Insider

Specifically designed for people with average credit

from Credit Card Insider

Designed for people who are looking to improve their credit scores. It’s a card for average or fair credit, so if you’ve had trouble qualifying for other cards this one could be a good option for you.

Read full review

Designed for people who are looking to improve their credit scores. It’s a card for average or fair credit, so if you’ve had trouble qualifying for other cards this one could be a good option for you.

Read full review

Less

CreditDonkey

A no-frills, no annual fee credit card for people with average credit

from CreditDonkey

If your credit is just below qualifying for a standard rewards card but just above qualifying for a secured card, the Capital One Platinum is a solid choice.

Read full review

If your credit is just below qualifying for a standard rewards card but just above qualifying for a secured card, the Capital One Platinum is a solid choice.

Read full review

Less

MoneyUnder30

For people with average credit looking for an unsecured credit card

from MoneyUnder30

It’s designed for someone with an average credit score. It’s ideal for students and new graduates or anyone who has been an authorized user on someone else’s card. It’ll take a long time to grow out of, too, thanks to the expanding credit line. Security-conscious spenders (which should b...More

It’s designed for someone with an average credit score. It’s ideal for students and new graduates or anyone who has been an authorized user on someone else’s card. It’ll take a long time to grow out of, too, thanks to the expanding credit line. Security-conscious spenders (which should be all of us) will feel reassured by the protection built in to this card.

Read full review

Less

Credit Cards Explained

Aimed at helping cardmembers establish smart spending habits

from Credit Cards Explained

If you’re looking to build a good history of credit, while having access to credit card-only perks, then the Capital One Platinum Credit Card is an excellent choice. The flexible payment schedule, credit line increase option, and online/mobile account access features make it a very appealing financial tool.

Read full review

If you’re looking to build a good history of credit, while having access to credit card-only perks, then the Capital One Platinum Credit Card is an excellent choice. The flexible payment schedule, credit line increase option, and online/mobile account access features make it a very appealing financial tool.

Read full review

Less

Wise Bread

A card that works hard for those with average credit

from Wise Bread

Best for those who have had credit problems in the past, are just starting out, or have an "average" credit rating, but prefer an unsecured credit card over a secured card.

Read full review

Best for those who have had credit problems in the past, are just starting out, or have an "average" credit rating, but prefer an unsecured credit card over a secured card.

Read full review

Less

Finder

Best suited for people who pay off their outstanding balances

Getting this Capital One credit card can work well in rebuilding your credit, provided you keep your spending in check and make payments on time.

Read full review

Getting this Capital One credit card can work well in rebuilding your credit, provided you keep your spending in check and make payments on time.

Read full review

Less

User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.