What is the Capital One Platinum APR?

Capital One credit card interest rates range from 0% (for a limited time) to 24.99% (V), depending on the card and the cardholder’s creditworthiness. The best Capital One credit card for low interest rates is Capital One Quicksilver because it offers 0% for 15 months followed by a regular APR as low as … read full answer15.49% - 25.49% (V). The Quicksilver card also has a $0 annual fee.

The Capital One credit cards with the highest interest rates are the Capital One Secured Mastercard (26.99% (V)) and the Capital One Platinum Card (26.99% (V)). They’re also the easiest to get. Capital One Platinum accepts applicants with limited or no credit, while Capital One Secured accepts people with bad, limited or no credit.

Most Capital One credit card interest rates are listed as a range, such as 14.74% - 24.74% (V). The better an applicant’s credit is, the better their chances will be of getting a rate at the low end of the range. All Capital One credit card interest rates are variable, meaning they can go up or down as the market changes.

2020 Capital One Credit Card Interest Rates:

• Capital One VentureOne: Not Offered on purchases; 10.65% - 18% (V) regular APR
• Capital One Quicksilver: 0% for 15 months on purchases; 0% for 15 months on balance transfers; 15.49% - 25.49% (V) regular APR
• Capital One Venture: 17.24% - 24.49% (V) regular APR
• Capital One SavorOne: 0% for 15 months on purchases; 0% for 15 months on balance transfers; 15.49% - 25.49% (V) regular APR
• Capital One Savor: 15.99% - 24.99% (V) regular APR
• Capital One Platinum: 26.99% (V) regular APR
• Capital One Secured Mastercard: 26.99% (V) regular APR
• Journey Student Rewards from Capital One: 26.99% (V) regular APR
• Capital One Spark Cash Select for Business: 0% for 9 months on purchases; 14.49% - 22.49% (V) regular APR
• Capital One Spark Miles Select for Business: 0% for 9 months on purchases; 14.49% - 22.49% (V) regular APR
• Capital One Spark Cash for Business: 18.49% (V) regular APR
• Capital One Spark Miles for Business: 18.49% (V) regular APR
• Capital One Spark Classic for Business: 24.49% (V) regular APR

Capital One also has a number of store branded credit cards, which can only be used at specific retailers. The interest rates for these Capital One store cards range from a low of 16.74% - 25.74% (V) on the Cabela’s Credit Card to a high of 28.49% (V) on the Maurices Credit Card.

Your Capital One credit card interest rate will be clearly indicated on your monthly statement. Keep in mind that there’s also a separate interest rate for cash advances. And there’s a penalty rate for missing payments. Expect both of these rates to be equal to or higher than the regular interest rate.

You can take out a Capital One Platinum cash advance at an ATM as long as you have a cash advance PIN. You can request a cash advance PIN for your Capital One Platinum card through your online account or by calling customer service at 1 (800) 227-4825. To get a Capital One Platinum cash advance PIN online, log into capitalone.com and click “I Want To…,” then “Get a Cash Advance PIN” (under the header “Control Your Card”). You’ll be able to get a PIN instantly delivered to your email or over text.… read full answer

Once you have the cash advance PIN, you can withdraw cash at an ATM the same way you’d do with a debit card. You can use non-Capital One ATMs, but you’ll be subject to additional fees (typically $3-$5). That would make cash advances even more expensive than they will be already. Capital One Platinum has a cash advance fee of $10 or 3%, whichever is greater. The withdrawal will also be subject to a high APR. The Capital One Platinum cash advance APR is 26.99%.

Another way you may be able to take out a cash advance is by using Capital One credit card checks, which Capital One sends to some cardholders based on creditworthiness. There are checks for purchases, balance transfers, and cash advances. Essentially, they work the same way any check would and allow you to pay at places that may not accept credit. However, if you do use a cash advance check, standard cash advance fees and rates apply. If you weren’t sent credit card checks, you can call Capital One customer service at 1-800-227-4825 and request them, but it’s not guaranteed your request will be granted.

Given its attractive credit card offers and high customer satisfaction, Capital One is not only a good credit card company, but a great one.

For starters, Capital One credit cards can be found on most of WalletHub’s best credit card lists. This includes the:

• Best Travel Rewards Credit Cards: Capital One® Venture® Rewards Credit Card… read full answer

• Best Cash Back Credit Cards: Capital One® Quicksilver® Cash Rewards Credit Card

• Best Credit Cards for Fair Credit: Capital One® QuicksilverOne® Cash Rewards Credit Card

• Best Credit Cards for No Credit: Capital One® Platinum Credit Card

• Best Credit Cards for Bad Credit: Capital One® Secured Mastercard®

• Best Student Credit Cards: Journey® Student Rewards from Capital One®

• Best Business Credit Cards: Capital One® Spark® Cash for Business

Capital One has also scored highly in a number of WalletHub reports on important credit card benefits. Here are a handful of notable examples:

• Application Transparency: T-1st

• International Travel: 3rd

• Rental Car Insurance: 6th (Capital One Visa cards)

• Extended Warranty: 10th (Capital One Visa cards)

Finally, Capital One received the fifth highest customer satisfaction score in WalletHub’s latest Credit Card Landscape Report. And it had the third highest reviews among WalletHub users.

That, in a nutshell, is what a good credit card company looks like.​​​​​​​