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Capital One® Classic Platinum Credit Card

PREPAID & CREDIT CARD APPLICATIONS ONLINE

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Card Rating:
Minimum Credit Needed:
Minimum credit history required to be eligible for this credit card.
If your credit is less than the minimum required, DO NOT APPLY for the card.
or call (866) 554-0808
Card Rating:
Minimum Credit Needed:
Minimum credit history required to be eligible for this credit card.
If your credit is less than the minimum required, DO NOT APPLY for the card.
Bank:
Capital One®
Card Network:
MasterCard®
User Category:
Everyday
Consumer Card
These credit cards are for the average consumer who needs a credit card for personal use.
Card Type:
Regular Card
These cards don`t require a security deposit.
Issuing Country:
United States
About this Credit Card:
Get the credit you need with a competitive rate.
Get access to a higher credit line after making your first 5 monthly payments on time.
Fraud coverage if your card is lost or stolen.
Use online banking to access your account, even from your smartphone with our mobile app.
Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
Get access to your account 24 hours a day, 7 days a week.
Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Interest Rates & Fees
Everyday Purchases:
Introductory APR:
The interest charged on purchases for a short period of time (introductory period).
n/a
Ongoing APR:
The interest rate charged on purchases when account is established or after introductory period is over.
20.9% (Variable)
Default APR:
The interest rate charged when you miss payments, do not make payments at all or pay less than minimum.
None
Minimum Grace Period:
The period of time during which you can pay off the card balance without paying the interest.
25 days
Minimum Interest Charge:
The minimum amount charged by a lender if you are charged interest.
See terms
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Balance Transfer:
Introductory APR:
The interest rate charged on transferred unpaid debt for a short period of time (introductory period).
n/a
Ongoing APR:
The interest rate charged on transferred unpaid debt when account is established or after introductory period is over.
20.9% (Variable)
Balance Transfer Fee:
A fee which may be charged for transferring an outstanding balance to your new credit card.
$0
Default APR:
The interest rate may be charged when you miss a payment, exceed available credit limit or pay less than minimum.
None
Minimum Grace Period:
The balance transfers do not usually have a grace (interest-free) period.
0 days
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Cash Advance:
Ongoing APR:
The non-introductory interest rate charged for cash advances when account is established.
20.9% (Variable)
Cash Advance Fee:
A one-time service charge on cash advance made through ATM, a teller, or an access check.
3% of the amount of the cash advance, but not less than $10
Default APR:
The interest rate charged when you miss payments, do not make payments at all or pay less than minimum.
None
Minimum Grace Period:
The cash advances do not usually have an interest-free period and the interest starts accruing the day you make cash advance.
0 days
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Other Fees:
Application Processing Fee:
A fee which may be charged upfront when you apply for a credit or a debit card.
n/a
Annual Fee:
A fee charged annually for use of a credit card.
$39
Late Payment Fee:
A fee which is charged when you miss a payment or your payment is received after the due date.
Up to $35
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Expert Review
Our Expert's Valuation:
Credit-Land.com experts thoroughly analyzed the credit card and defined its main pros and cons.
pluses
Get the credit you need with a competitive rate.

pluses
Fraud coverage if your card is lost or stolen.

pluses
Get access to your account 24 hours a day, 7 days a week.

Expert's Ratings:
Credit-Land.com experts evaluate each card using five criteria in order to help you choose the best card.
Overall:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Interest Rates:
Maintenance Fees:
Features & Benefits:
Reward Program:
Customer Service:
Overall:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Interest Rates:
Maintenance Fees:
Features & Benefits:
Reward Program:
Customer Service:



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User comments about Capital One® Classic Platinum Credit Card:
  • Joseph
    Can use this card with Apple Pay? If yes, where can I use it?
  • CreditLandCom
    This card and all Capital One’s US-issued credit or debit cards can be used with Apple Pay. Not all devices have Apple Pay though. This feature is available on iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3. The merchants which accept Apple pay have a contactless payment symbol at the point of sale. You can also check out participating Apple Pay merchants at apple.com.
  • W_Walter
    How to add my Capital One credit card to Apple Pay?
  • CreditLandCom
    Take a picture of Capital One credit card or enter card info manually and then verify your card. If you have Capital One Wallet installed on your device the verification process will be quicker.
  • Catalina
    What is the minimum credit line for this card?
  • David
    Capital One approved me for minimum credit limit of $300 and now it is $700! I’ve been using the card for less than a year and haven’t missed single payment.
  • HarrietReber
    Looking to apply for a credit card and it looks like Classic Platinum is a good one. Does anyone have any experience using this card?
  • tiffany
    I have four credit cards and use Classic Platinum more often than others because I like it most. I like their app, can easily manage my spendings… and I use Capital One credit tracker to keep an eye on my credit score.
  • Kelly N. Frasier
    What is credit tracker? Can I use it?
  • CreditLandCom
    It’s a Capital one’s tool which gives you access to your TransUnion credit score for free. The score updates once a month but there are other nice features to use. I like their credit simulator, always use it when I apply for a credit card or something like that to see how my credit score will change. If you have Capital One’s credit card, then you can use it. If not, you can’t use it.