Capital One Classic Platinum is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 05/14/2026
SuperMoney User Recommendation Score +10
Mostly recommended10 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
Starting at 24.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 24.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
640 - 750
Annual Fee
$0
Number of Reviews
Capital One Classic Platinum Review
Capital One Classic Platinum is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a rewards card issued by Capital One. If you're wondering whether Capital One Classic Platinum is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR starting at 24.99%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Capital One Classic Platinum
| The Good | The Bad |
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Capital One Classic Platinum FAQ
Does Capital One Classic Platinum have a cash back or rewards program?
Capital One Classic Platinum is a rewards card.
| Description |
Does Capital One Classic Platinum have a signup bonus?
This card doesn't offer a cash signup bonus.Does Capital One Classic Platinum offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for Capital One Classic Platinum?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Capital One Classic Platinum has a variable purchase APR starting at 24.99%. The card has a variable balance transfer APR starting at 24.99% .
Does Capital One Classic Platinum have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Capital One Classic Platinum have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Capital One Classic Platinum?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $35 . Does Capital One Classic Platinum have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Capital One Classic Platinum?
The customer service number for Capital One Classic Platinum is (877) 383-4802.
What is the support contact email for Capital One Classic Platinum?
The support contact email for Capital One Classic Platinum is support@capitalone.com.
How do people rate the customer service and user experience of Capital One Classic Platinum?
Overall, Capital One Classic Platinum is mostly recommended based on community reviews that rate customer service and user experience.
Does Capital One perform a hard credit pull?
Yes, Capital One Classic Platinum performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Capital One Classic Platinum
- Visit the website of Capital One Classic Platinum.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Other Credit Cards from Capital One
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Capital One Platinum Credit Card
Sponsored
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
630 - 750
300
850
Annual Fee
$0
Sponsored
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
640 - 700
300
850
Annual Fee
$39
Purchase APR
18.49% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
640 - 720
300
850
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
750 - 850
300
850
Annual Fee
$95
Purchase APR
15.24% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 26.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
17.99% - 27.74%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 27.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +10, or 3.2 on a 5-point rating scale.
+10
-1000+100
No one recommends
Everyone recommends
Capital One Classic Platinum Community Reviews
Would you recommend Capital One Classic Platinum to your friends?
Nicholas C.
Nov 25, 2020
May or may not recommend
The only good things about this card are no annual fees, no foreign transaction fees, and it does not require a high credit score to obtain one. The APR is higher than normal, there are no sign-up bonsuses and you don't earn cash back rewards on every purchase. I'd stay away from this one. Do not recommend.
TT
Ted T.
Nov 5, 2020
May or may not recommend
I have had my Capital One card for several years now and I had no issues at all with any of the services they provide. There is app is easy use and Creditwise keeps me abreast of credit score. Making a payment online is quick and simple. The alerts you receive when there is a change to your credit score or any time a new account is opened is ...Show More
DW
Deonne W.
Oct 24, 2020
May or may not recommend
A Capital One credit is a great asset to have and ensure that everyday purchases were able to be paid like the grocery bills, putting gas in the car and other things. This card helps with some the major living expenses. It is a great cushion for payday is a little ways away and it is nice to have for the unexpected expenses like the maintenance on the car.
Quentin M.
Aug 24, 2018
May or may not recommend
It's the bomb I really love it and every one should have one
U
Anonymous
May 16, 2015
May or may not recommend
After having a secured credit card for what seemed like an eternity (2 years), I tried applying for this classic card. I wasn't sure if I was going to get the card, but I was pleasantly surprised to see that I did. I don't mind the annual fee, because it's not that much and I'm so enjoying have an unsecured card!
U
Anonymous
May 12, 2015
May or may not recommend
The credit tracker alone on this card is well worth applying for it. I enjoy having access to my credit when I want it. Rather than having to go to a credit monitoring service, I simply check with Capital One. The low annual fee of $39 is also a perk.
U
Anonymous
Apr 25, 2015
May or may not recommend
This card is great because they approve people with lowish credit, but they treat you like all of their other customers. You still get all of the great benefits of being a Capital One customer, including the credit tracker program that lets you have access to your true FICO score and the fraud liability protection.
Ethan L.
Oct 20, 2014
May or may not recommend
I had a card with Capital One for years with never any complaints with their service. Account received several unsolicited credit line increases. Closed the account due to high rate and yearly fee. I did recommend the card to my adult son when he was looking to establish credit.
foxs B.
Mar 28, 2014
May or may not recommend
Pro:I had a credit score of 512 CK. I got approved for $500 and it has gone up to $1500 after one year. My credit score is now 630. Make sure you keep ure balance under 30% usage. i.e. my limit is $1500 so i keep my balance under $450. That is what's building my credit.
Con:Always pay on time b/c the fee is $40 and intrest kicks in after your ...Show More
Noemi E.
Oct 10, 2013
May or may not recommend
This is a great card for ppl with less than perfect credit.. I was initially approved for $500 credit limit and nine months later they increased my limit to $2500.00. I
Showing 10 of 10 reviews
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