Christie Matherne, Credit Card Writer
@christie_matherne
The Capital One Platinum Credit Card is not for bad credit, as people with a credit score lower than 640 aren’t likely to be approved. Capital One Platinum is a good credit card for applicants with limited-to-fair credit or better.
Although the unsecured Capital One Platinum Credit Card is not for bad credit, the Capital One Platinum Secured Credit Card is available to applicants with a bad credit score. Capital One Platinum Secured requires a minimum security deposit of $49, $99 or $200, making it easier to get approved with bad credit.
Capital One Platinum Cards by Minimum Credit Score
- Capital One Platinum Credit Card – limited credit or better needed
- Capital One Platinum Secured Credit Card – bad credit accepted
Outside of its platinum credit card offers, Capital One also has another credit card available to people with poor credit. To see which Capital One credit cards you’re likely to qualify for, check your credit score for free on WalletHub.

Capital One Platinum Credit Card
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