Capital One Classic Platinum Review

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This is a rewards credit card issued by Capital One. If you're wondering whether Capital One Classic Platinum is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• High APRs. This is not a great card for people who carry a balance. It has a variable 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 your credit score is above 640.

The Good	The Bad
No annual fee. No foreign transaction fee. Cardholders can earn rewards on their purchases.	Higher than average purchase APRs. Does not offer a signup bonus. You don't earn rewards on every purchase. Does not report to credit bureaus. Does not include many credit card benefits.

Does Capital One Classic Platinum have a cash back or rewards program?

Capital One Classic Platinum is a rewards card.

Capital One Classic Platinum Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the relevant APRs for Capital One Classic Platinum?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR starting at 24.99% . The card has a variable balance transfer APR starting at 24.99% .

What are the fees for Capital One Classic Platinum?

The following fees apply:

• There is no overlimit fee

Capital One Classic Platinum Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	$0
Late Payment Fee	$35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

How to apply for Capital One Classic Platinum

• Visit the Capital One Classic Platinum website.
• 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.