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Capital One® Classic Platinum Credit Card

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Credit Card Applications » Credit Card Companies » Capital One® » Capital One® Classic Platinum Credit Card
Card Rating:
Minimum Credit Needed:
AVERAGE / FAIR / LIMITED

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

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: AVERAGE / FAIR / LIMITED

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

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
More details
Less details
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 cash advances do not usually have an interest-free period and the interest starts accruing the day you make cash advance.
0 days
More details
Less details
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
More details
Less details
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
Returned Payment Fee:
A fee charged when you pay your bill with a check that bounces.
$0
More details
Less details
Expert Review
Our Expert's Valuation:
Credit-Land.com experts thoroughly analyzed the credit card and defined its main pros and cons.
Customize card with your favorite pictures.

No foreign transaction fees.

Annual fee.

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:



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