Capital One Platinum Credit Card

Capital One Platinum Credit Card
No Annual Fee
So you can build credit at no cost.
No Annual Fee
So you can build credit at no cost.
Accepted Credit Scores
Fair Credit, Limited History
Annual Fee
$0
APR on Purchases
26.99% (V)
Balance Transfer
APR: 26.99% (V)
Balance Transfer Fee
Editor's Take
Capital One Platinum Pros & Cons
No annual fee
Available to people with limited credit
Free credit-score access
No foreign transaction fee
No rewards
Fairly high regular APR
No reduced introductory rates
Capital One Platinum's Additional Info
cash advance fee | 3% (min $10) |
cash advance APR | 26.99% (V) |
foreign transaction fee | $0 |
smart chip | Yes, chip-and-signature |
max late fee | $40 |
max overlimit fee | $0 |
max penalty APR | None |
grace period | 25 days |
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with our mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Capital One Platinum Reviews FAQ
Don't see what you're looking for? Submit your question about Capital One Platinum Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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What does current balance mean on my Capital One Platinum?
A current balance on your Capital One Platinum is just the amount of debt you have on it – the total amount of money you owe the credit card company at any given time.
Can I go over the limit with a cash advance on my Capital One Platinum?
How can I find out what do I have left and that can be used?
If you mean your balance, you can just do that on their website, at https://verified.capitalone.com/sic-ui/#/esignin .
How soon after approval can I use my Capital One Platinum card?
You may be able to use your Capital One Platinum instantly after approval if you pass certain security checks and are issued an instant card number upon approval.
Capital One issues instant card numbers upon approval to select cardholders who have enrolled online. Viewing your Capital One... show more
I already have a Capital One Quicksilver Card, but will they approve me for another card?
Your score's kind of too low for a Quicksilver. You need about 700 or more. If you're asking if they would let you apply for another one, sure.
Can I do a Capital One Platinum cash advance right after receiving it?
No, you cannot do a Capital One Platinum cash advance right after receiving it. You will need to activate your credit card first, as well as to request a PIN.
You can activate your Capital One Platinum online, through the Capital One mobile app or over... show more
Is Capital One Platinum good for establishing credit?
Yes, Capital One Platinum is a good card for establishing credit. It is a credit card designed for people with fair (640+) credit, as well as for people with limited credit (less than 3 years of credit history).
Capital One Platinum has a $0 annual fee and... show more
Is there a fee to pay my Capital One Platinum card over the phone?
No, there is no fee to pay your Capital One Platinum card over the phone, it's free of charge. To pay your credit card bill, you just call Capital One customer service at the number you see on the back of your card and follow the prompts.
Alternately, you... show more
Can I transfer money from my Capital One credit card to my 360 checking account?
Capital One does not allow money transfers between their credit cards and their debit cards. In essence, you can only transfer money to your 360 checking account by linking it to another checking or savings account.
Even if you could do the transfer, it wouldn't be a good idea.... show more
Compare The Capital One Platinum
Capital One Platinum Video Review
Capital One Platinum Reviews
Share your insights and review the Capital One Platinum Credit Card
What's Your Rating?
Capital one is the only credit card I use they continue to offer the best customer service as I will continue to use their card and other products.
I love this card I would have every Capital One card there is no hassle no problem no harassing phone calls if you're a day late they are willing to work with you it's just a great company thank you
Great rewards, great way to spend..
Low initial credit offering, that is all...
Expert Thoughts on Capital One Platinum
To help people who are interested in the Capital One Platinum Card make an educated decision, WalletHub posed the following questions to a panel of experts. You can find the experts listed below. Simply click “READ MORE” to check out an expert’s answers and advice.
- Which type of credit card is better for beginners: one with no annual fee and no rewards, or one with rewards and an annual fee?
- Why don’t more credit card companies offer cards for people with limited or no credit history?
- When is the best time to apply for a credit card like Capital One Platinum?
CFP®, Partner • Senior Financial Planner
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