Credit line increase
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Capital One Platinum Card Reviews for 2023 | WalletHubReviews, rates, fees, and customer service info for The Capital One Platinum Credit Card. Compare to other cards and apply online in secondsJohn Kiernan
WalletHub
WalletHubCapital One Platinum Credit Card
Capital One Platinum Credit Card
No Annual Fee
So you can build credit at no cost.
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Sponsored Card
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APRWalletHub ReviewQ&ACustomer Reviews
No Annual Fee
So you can build credit at no cost.
Accepted Credit Scores
Accepted Credit Scores
Fair Credit, Limited History
Annual Fee
$0
APR on Purchases
29.99% (V)
Balance Transfer
APR: 29.99% (V)
Balance Transfer Fee
WalletHub Review
by John Kiernan
May 26th, 2023
Capital One Platinum Pros & Cons
No annual fee
Available to people with limited credit
Free credit-score access
No foreign transaction fee
No rewards
High regular APR
No reduced introductory rates
Capital One Platinum's Additional Info
| cash advance fee | 3% (min $3) |
| cash advance APR | 29.99% (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 Capital One's 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
Can't find what you are 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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Does it have CDW
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How can I use my Capital One Platinum card without the physical card?
1
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Brianne Larch
You can use your Capital One Platinum card without the physical card by logging in to your account and signing up for Capital One Eno. This way, Capital One will generate a virtual card number that you will be able to use for online purchases with increased protection against credit card fraud.
Alternatively, you can set up digital wallet...
When does the Capital One Platinum card report to credit bureaus?
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Chip Lupo
The Capital One Platinum Credit Card reports to the credit bureaus monthly, within days after the end of a cardholder's monthly billing period. Capital One Platinum reports the card's credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. Capital One may use a specific...
How do i pay my credit card bill..
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How can I freeze my Capital One Platinum Card ?
1
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Chip Lupo
To freeze a Capital One Platinum Card, log in to your online account or the Capital One mobile app and navigate to “Lock Card." You can also call Capital One customer service at the number listed on their website and ask them to freeze your card, though it is much easier to lock...
Does Capital One Platinum Card offer an extended warranty?
1
UpvoteReply
Chip Lupo
No. Capital One Platinum does not offer extended warranty protection. Capital One Platinum does have other benefits, though, including identity theft protection, emergency card remplacement, and zero fraud liability.
If you're set on finding a card with good extended warranty coverage, consider checking out the Chase Freedom Flex℠ or the Capital One...
Can I use my Capital One Platinum card without activating it?
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Brianne Larch
No, you cannot use your Capital One Platinum card without activating it. Having said that, you can easily activate it online, through the Capital One mobile app or over the phone.
Here's how to activate your Capital One Platinum card:
- Online: Sign in to your account or create an online account, if you don't already have one. Then,...
How can I change the due date for my Capital One Platinum card?
1
UpvoteReply
Brianne Larch
You can change the due date for your Capital One Platinum card either online or by calling customer service at the number on the back of your card.
Your new due date will go take effect within two billing cycles. Until then, you should pay at least your minimum payment by the cutoff time on your current...
How do I see my Capital One Platinum statement?
1
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Maria Adams
They easiest way you can see your Capital One Platinum statement is online, via either Capital One's website or mobile app. It's important to note, though, that you can only view your Capital One Platinum statement online if you have enrolled in paperless statements. If not, Capital One will mail you a statement each month by...
Compare The Capital One Platinum
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APR0% for 15 months|Transfer Fee: 3%
Transfer Intro APRNot Offered
Regular APR29.99% (V)
Regular APR19.74% - 29.74% (V)
Regular APR29.99% (V)
Rewards RateNone
Rewards Rate1.5 - 5% Cash Back
Rewards Rate1.5 - 5% Cash Back
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Capital One Platinum Video Review
Capital One Platinum Reviews
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3.6
5,385 reviews
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5 Star Rating
Verified CustomerAn excellent way for me to get my credit where I need it to be so myself and wife are able to get the house we want to get. Thank you….
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4 Star Rating
Verified CustomerGood starter card, low interest rates. They don't give automatic credit line increases though you have to request them. Also you can't use this card for short term loans.
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This is the worst card in the entire universe. If you are looking to get this card, please run because they don’t report your card to all union & once they noticed how fast you use and repay your card, they will start holding your money for 26 days before depositing into your account. And you must always check your available credit because sometimes they remove your funds so you will have $0 balance and schedule with payment. I had $2.77 and my insurance refunded me $27.54 and after 2days I checked to see if money I paid 20days ago has been posted. To my greatest surprises, my $2.77 & &27.54 disappeared and I called them immediately to confirm where my money went & they put me on hold for 20mins and came and said the money is back in my card. I kept asking them, why was the money disappeared & not even their supervisor doesn’t know what happened to my money.
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5 Star Rating
Verified CustomerQualified me with some issues but dissatisfied with the credit limit offered but hope to in very near future to increase my limits
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5 Star Rating
Verified CustomerNo problem, helpful staff, polite and friendly.
They work to keep their card holder happy.
I'm not sure what else to say here....
They work to keep their card holder happy.
I'm not sure what else to say here....
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1 Star Rating
Verified CustomerCapital one credit increase soft inquiry....If you have recently paid down you credit cards or any other debt don't be in a rush to ask for an increase....The report is 1 month behind....I think they should tell you that this soft inquiry isn't up to date and is for the previous month.....
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4 Star Rating
Verified CustomerExtremely slow to give increases, even with 3yr perfect payment history. Only one $100 CLI in 3yrs on one & no CLI on one about a year old.
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5 Star Rating
Verified CustomerThank you for the chance to improve my credit score and the opportunity for growth. Easy app to use, and payment options. Finally I fell like an adult.
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you fall down...thats a shame
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5 Star Rating
Verified CustomerVery convenient. Easy to access information but secure. Can use it anywhere I want to use credit. And I know this shouldn’t matter but I like the look of the card. (Maybe that does matter.)
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5 Star Rating
Verified CustomerGreat Card! Will help you build your credit. Treated Like family just pay on time they will take care of you! Easy to get approved for this was my first credit card
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5 Star Rating
Verified CustomerIt's a very great card to start with and learn about your credit and they are really good at work things out with you. They even have a credit monitoring for your credit report
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Review Capital One Platinum Credit Card
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?
Tingting Jia
Ph.D., Visiting Assistant Professor of Finance, Bucknell University
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Ph.D., Visiting Assistant Professor of Finance, Bucknell University
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Michael Simkovic
Leon Benwell Professor of Law and Accounting, USC Gould School of Law
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Leon Benwell Professor of Law and Accounting, USC Gould School of Law
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Nilton Porto
MBA/Ph.D. – Associate Professor, Consumer Finance Human Development & Family Science, University of Rhode Island
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MBA/Ph.D. – Associate Professor, Consumer Finance Human Development & Family Science, University of Rhode Island
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Lauren Stansell
CFP®, Partner • Senior Financial Planner
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CFP®, Partner • Senior Financial Planner
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Offer last updated: May 26th, 2023 at 08:31 ET