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: 07/28/2025
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Capital One Classic Platinum
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in Credit Cards from Capital One
Last Updated: 07/28/2025
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)
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Balance Transfer APR (Variable APR)
Starting at 24.99%(Verified 06/21/2024)
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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
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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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
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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.
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