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Platinum Credit Card from Capital One® review

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7.4/10
Informr score
The Platinum Credit Card from Capital One® currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 31 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...


CreditCards.com
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 with responsible use.

- Holly Johnson, CreditCards.com
Cardcruncher
Cardcruncher

The Capital One Platinum Credit Card doesn't have many frills, but it's worth considering if you're trying to improve your limited credit history. Capital One encourages cardholders to practice good credit habits, offering a higher credit line after you've made your first five payments on time. The...

- Cardcruncher
NerdWallet
NerdWallet

This 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.

- Melissa Lambarena, NerdWallet
WalletHub
WalletHub

The Capital One Platinum Credit Card is one of the best starter credit cards on the market. Capital One Platinum is a great credit card for people who are new to credit because it has a $0 annual fee and reports to the major credit bureaus each month. Responsible use of the Capital One Platinum Card...

- John S Kiernan, WalletHub
Bankrate
Bankrate

The Capital One Platinum Credit Card is a solid choice for people looking to build credit. You won’t earn rewards or have access to other perks, but it will help you learn to manage your credit effectively. Beyond helping you to build your credit, this card doesn’t have much to offer.

- Claire Dickey, Bankrate

Details


Interest Rates
Regular APR Interest Rate 28.49% (Variable)

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

Balance Transfer Interest Rate 28.49% (Variable)

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

Cash Advance Interest Rate 28.49% (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 $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
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Additional comments -
Terms & Conditions Official Terms & Conditions
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