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Platinum Credit Card From Capital One

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Platinum Credit Card From Capital One

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in Personal Credit Cards

SuperMoney Net Recommendation Score +17% 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

4 users recommend
6 users are unsure
2 users don't recommend
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Overview

Who Is the Platinum Credit Card From Capital One Designed For?

Capital One's Platinum Credit Card is a card for people who need to build their credit and are looking for a card with a low annual fee. The minimum credit line for cardholders is $300, but after five months of regular payments, members may be able to access higher credit lines.

What Are the Rates for Platinum Credit Card From Capital One?

Purchases and balance transfers have a rate that can range from 19.99% APR to 28.99% APR.

What Are the Fees for Platinum Credit Card From Capital One?

The Platinum card has no annual fee. It does have up to a $38 fee for late payments and a $10 or 3% fee, whatever is greater, for cash advances.

What Is the Platinum Credit Card From Capital One Rewards Program Like?

Although Capital One's Platinum card does come with useful benefits and perks, it doesn't have an actual rewards program. Members who are regular with their credit card payments could see their score increase and qualify for cards that include rewards programs.

What about the Platinum Credit Card From Capital One Signup Bonus?

There is no signup bonus. 

Any Other Benefits Included with the Platinum Credit Card From Capital One?

The Platinum card comes with the regular benefits offered by all Capital One cards. That includes 24/7 customer service, travel accident insurance, price protection on purchases and a credit tracker. The credit tracker provides members with free and unlimited access to their FICO score, as well as tools help them manage and improve their score.

As a Platinum Mastercard, it includes additional benefits such as extended warranty on purchases, auto rental insurance, travel accident insurance, 24-hour roadside assistance and price protection on certain items.

How Is Platinum Credit Card From Capital One Better Than Other Credit Cards?

Capital One's Platinum is one of the more inexpensive credit-building credit cards. It doesn't require a security deposit and its credit requirements are not hard to meet. Once you have established a regular payment history of five months, you can increase your credit limit, which is important for those who only qualify for a low initial credit limit. Unlike other credit cards design to build credit, it includes flexible payment options that grant 24-hour access to your accounts and allows you to pay online, by check or at a local branch.

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...

Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period
25
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$38
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Credit Score Range
560 - 750
850 300 560 750
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Minimum Age
18
Customer Type
Personal
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • ID Theft Protection
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
Flight Insurance
Free FICO Score
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Emergency Support
Cash Advance APR
(Variable APR)
Starting at
28.99%
Purchases APR
(Variable APR)
19.99% - 28.99%
0% 29%
Balance Computation
average daily balance (including new transactions)
Balance Transfer APR
(Variable APR)
19.99% - 28.99%
8% 29%

Reviews

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Other Personal Credit Cards

Capital One Personal Credit Cards

Product

Reviews

Purchases APR

Balance Transfer APR

Annual Fee

Credit Score Range

Quicksilver From Capital One

Quicksilver From Capital One

2
1
 
3 total votes
Purchases APR
(Variable APR)
14.49% - 24.49% 0% 29% Variable APR
Balance Transfer APR
(Variable APR)
14.49% - 24.49% 8% 29% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850 300 850
QuicksilverOne From Capital One

QuicksilverOne From Capital One

2
3
1
6 total votes
Purchases APR
(Variable APR)
19.99% - 28.99% 0% 29% Variable APR
Balance Transfer APR
(Variable APR)
19.99% - 28.99% 8% 29% Variable APR
Annual Fee $39 Annual Fee
Credit Score Range 640 - 700 300 850
VentureOne From Capital One

VentureOne From Capital One

1
2
 
3 total votes
Purchases APR
(Variable APR)
13.49% - 23.49% 0% 29% Variable APR
Balance Transfer APR
(Variable APR)
13.49% - 23.49% 8% 29% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 700 - 850 300 850
Secured Mastercard From Capital One

Secured Mastercard From Capital One

 
1
3
4 total votes
Starting Purchases APR
(Variable APR)
24.99% Starting Variable APR
Starting Balance Transfer APR
(Variable APR)
24.99% Starting Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 300 - 640 300 850
Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

2
2
 
4 total votes
Purchases APR
(Variable APR)
14.49% - 24.49% 0% 29% Variable APR
Balance Transfer APR
(Variable APR)
14.49% - 24.49% 8% 29% Variable APR
Annual Fee $95 Annual Fee
Credit Score Range 700 - 850 300 850
PlayStation Card from Capital One

PlayStation Card from Capital One

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Purchases APR
(Variable APR)
15.49% - 24.99% 0% 29% Variable APR
Balance Transfer APR
(Variable APR)
15.49% - 24.99% 8% 29% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 660 - 750 300 850