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  Capital One Classic Platinum

Out of Business

Capital One Classic Platinum

in Personal Credit Cards from Capital One

Out of Business

Capital One Classic Platinum

in Personal Credit Cards from Capital One

SuperMoney Net Recommendation Score +10

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +10, equating to 3.2 on a 5 point rating scale.

+10

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

3 users recommend
5 users are unsure
2 users don't recommend
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Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) Starting at 24.99%
Balance Transfer APR  (Variable APR) Starting at 24.99%
Credit Score Range 640 - 750
Annual Fee $0
Number of Reviews 10

Capital One Classic Platinum Review

Capital One Classic Platinum is no longer available to new customers on SuperMoney.

Click here to compare Personal Credit Cards and quickly find the best options for your needs.

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.

Key Takeaways
  • 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 oods if your credit score is above640.
Pros & Cons of Capital One Classic Platinum
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.
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.

Capital One Classic Platinum Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

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 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% .

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?

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.

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 Capital One Classic Platinum customer service number is (877) 383-4802.

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.

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.

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.

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee $0
Minimum Interest Charge $0.50
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Credit Score Range 640 - 750
Rewards Type No Rewards
Purchase APR (Variable APR) Starting at 24.99%
Balance Transfer APR (Variable APR) Starting at 24.99%
Card Type
  • Low Interest
  • Rewards
Card Network Mastercard

Capital One Classic Platinum Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +10, equating to 3.2 on a 5 point rating scale.

+10

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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