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.
- Nouri Zarrugh, CreditCards.comIf 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 with responsible use.
- Melissa Lambarena, NerdWalletThis is an attractive option if you've got average credit. But the high interest rate means you won't want to carry a balance from month to month.
- Brendan Dyer, BankrateThe Capital One Platinum Credit Card is a solid choice for people looking to build credit. You won’t earn rewards or have access to many perks, but it will help you learn to manage your credit effectively. But, beyond helping you to build your credit, this card doesn’t have much to offer.
- Kevin Payne, TimeIf trying to build or rebuild your credit profile is your primary concern, the Capital One Platinum Credit Card is a solid choice. You won't earn rewards or have access to extra perks, but it's perfect to use responsibly, develop consistency with on-time payments, and reach your credit goals. With a...
- Alene Laney, MoneyGeekThe most ideal Capital One Platinum Credit Card customers are individuals with average credit and those seeking to build their credit limit. If you are looking for an introductory card that you can upgrade later, this card may be a good option for you.
Interest Rates | |
---|---|
Regular APR Interest Rate |
30.74% (Variable) This APR will vary with the market based on the Prime Rate. |
Balance Transfer Interest Rate |
30.74% (Variable) This APR will vary with the market based on the Prime Rate. |
Cash Advance Interest Rate |
30.74% (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 $3 |
Foreign Transaction Fee | $0.00 |
Over Limit Fee | $0.00 |
Late Payment Fee |
$40.00 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 |
Suggest a correction |
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