Capital One Journey vs.
Platinum

The best Capital One Platinum card benefits are account alerts and $0 fraud liability for unauthorized charges. These perks are certainly good to have, though it's important to note that they are also relatively common credit card benefit. 

Capital One Platinum Credit Card Benefits

• Account alerts
• $0 fraud liability for unauthorized charges
• Emergency card replacement

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

While these benefits aren't bad, the Capital One Platinum credit card simply doesn't have as many benefits as a lot of the other credit cards on the market. To learn more about the Capital One Platinum credit card, check out WalletHub's full review.

You can cancel a Capital One Platinum (see details, rates & fees) application directly by calling Capital One's customer service. You will need to act quickly to ensure your cancellation request is accepted before Capital One approves or rejects your application.

Credit card issuers are required to respond to applications within 30 days, but Capital One often processes online applications immediately. Unfortunately, this doesn't leave you with a lot of time to cancel a Capital One Platinum (see details, rates & fees) application after you submit it.

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The Capital One Platinum Credit Card (see details, rates & fees) foreign transaction fee is $0. This means you won't be subject to an additional charge whenever you use the Capital One Platinum Credit Card (see details, rates & fees) outside of the United States. Whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant, you won't have to pay extra.

To learn more, refer to our guide on foreign transaction fees and our editors' picks for the best credit cards without foreign fees.

To get a Capital One Platinum cash advance:

1. Call Capital One customer service at the number on the back of your card and request a PIN, if you don't already have one.
2. Insert the credit card at an ATM and enter the PIN.
3. Select the cash advance option on the ATM screen.
4. Enter the amount you'd like to withdraw.
5. Withdraw the cash and remove the credit card from the ATM.

The Capital One Journey  * credit limit will be based on your creditworthiness once your application has been approved. However, there's no surefire way of knowing your credit limit beforehand as Capital One does not disclose this information on their website. 

Capital One Journey  * is a credit card geared for students with limited credit. If you don't have less than 3 years of credit history, you will need to have at least fair (640+) credit to qualify for this card.

Here's what you...

The Capital One Platinum Credit Card (see details, rates & fees) is available to people with limited credit. That means that you may be able to get approved for the Capital One Platinum Credit Card (see details, rates & fees) with little-to-no-credit.

Note that there are plenty of other things that will impact your chances of being approved for the Capital One Platinum (see details, rates & fees), too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status. You can check your credit score for free on WalletHub.

You can request a Capital One Platinum (see details, rates & fees) credit limit increase online, through the Capital One mobile app, or by calling customer service at the number on the back of your card. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Capital One has on file. Capital One will be more likely to increase your credit...

The Capital One Platinum Credit Card (see details, rates & fees) interest rate is 29.49% (V). This Capital One Platinum (see details, rates & fees) card interest rate is variable, meaning it can change based on certain economic conditions.

The Capital One Platinum (see details, rates & fees) card gives you a 25-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card's payment due date. You won't owe any interest if you pay your balance in full during that timeframe. Should you decide to...

You can make Capital One Platinum Credit Card (see details, rates & fees) payment online, by phone, through the Capital One mobile app, by mail or at a branch. To pay your Capital One Platinum (see details, rates & fees) bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Capital One does allow cardholders to set up automatic payments, too.

Ways to Make Capital One Platinum (see details, rates & fees) Payment

• Online...

Capital One Platinum (see details, rates & fees) means the Capital One Platinum Credit Card (see details, rates & fees), which is a starter credit card geared toward people with limited or fair credit. Capital One Platinum is one of the best credit cards for beginners because it has a $0 annual fee, giving first-timers the chance to build credit inexpensively.

Key Things to Know About Capital One Platinum (see details, rates & fees)

• You can get approved even with limited credit.
• The card helps people build credit, as it reports account information to...