Capital One® Platinum Credit Card

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Card Rating:
Credit Recommended:
Card Rating:
Credit Recommended:
AVERAGE, FAIR, LIMITED
Bank:
Capital One®
Card Network:
MasterCard®
User Category:
Consumer
Card Type:
Regular Card
Issuing Country:
United States
About this Credit Card:
Pay no annual fee
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
Help strengthen your credit for the future with responsible card use
Interest Rates & Fees
Everyday Purchases:
Introductory APR:
N/A
Ongoing APR:
24.99% (Variable)
Penalty APR:
None
Minimum Grace Period:
25 days
Minimum Interest Charge:
See terms
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Balance Transfer:
Introductory APR:
N/A
Ongoing APR:
24.99% (Variable)
Balance Transfer Fee:
$0
Penalty APR:
None
Minimum Grace Period:
0 days
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Cash Advance:
Ongoing APR:
24.99% (Variable)
Cash Advance Fee:
3% of the amount of the cash advance, but not less than $10
Penalty APR:
None
Minimum Grace Period:
0 days
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Other Fees:
Application Processing Fee:
See terms
Annual Fee:
$0
Late Payment Fee:
Up to $35
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Expert Review
Our Expert's Valuation:
pluses
Pay no annual fee

pluses
Get access to a higher credit line after making your first 5 monthly payments on time

pluses
Fraud coverage if your card is lost or stolen

Expert's Ratings:
Overall:
Interest Rates:
Maintenance Fees:
Features & Benefits:
Reward Program:
Customer Service:
Overall:
Interest Rates:
Maintenance Fees:
Features & Benefits:
Reward Program:
Customer Service:


User comments about Capital One® Platinum Credit Card:
  • Rafael Espinoza
    I apply for a credit card and I have not received it yet it's been almost 15days..??
  • CreditLandCom
    If you are approved for a credit card, you should receive your credit card by mail within about 7-10 business days. If you do not receive your credit card, you should contact the credit card issuer directly.
  • Justin Olson
    I spent 80% of my time on business trips, often fly abroad to different countries. I wonder if it is a good card to take with me while travel abroad or should I choose another?
  • CreditLandCom
    This card doesn’t have foreign transaction fee, so you won’t see big fees on your statement if you make a purchase abroad. If you lose this card while on your trip, you will only need to reach Capital One’s Travel Assistance Service to get a replacement card or cash advance. The service is available round the clock.
  • Robert Hulbert
    I rented a car and had an accident and damaged the car but I didn’t buy the damage waiver offered by the rental company. Will I get covered if I paid for the car with my Capital One Platinum card?
  • Castleman_Richard
    I had the same situation and the bank covered everything without any problems. Thanks god the damage wasn’t serious
  • Anna Vang
    I get a credit card with $300 credit limit, how long should I wait before it can be increased?
  • CreditLandCom
    The bank can increase your credit limit after you make five minimum payments in row and on time.
  • paulbrown3
    I had problems with automatic payments on my previous credit card, there were some charges I didn’t authorize… Now I want to apply for Capital One Platinum card and wanted to know if anyone uses automatic payments on this card?
  • DMYLES12
    I use automatic payment on my Platinum card and never had such issues. The payments are charge correctly and without delay.
  • Susan_AS
    What is ‘AVERAGE/Fair/Limited’ credit? What does it mean?
  • CreditLandCom
    This indicates what credit you should have to qualify for this card. In other words you can qualify for this card if your credit history is less than three years or if you have defaulted on a loan in the past five years.
  • Wally
    I have a fair credit rating according to Credit Karma. I've applied a few places for a card and have been denied. What scores do you look for on a person's credit report? What is the range in numbers that you consider Good, Fair, Bad Credit?