Last Updated: 03/13/2026
SuperMoney User Recommendation Score +86
Strongly recommended65 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
28.99%(Verified 01/07/2026)
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Balance Transfer APR (Variable APR)
28.99%(Verified 01/07/2026)
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Credit Score Range
630 - 750
Annual Fee
$0
Number of Reviews
Capital One Platinum Credit Card Review
This is a card issued by Capital One. If you're wondering whether Capital One Platinum Credit Card 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 of 28.99%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Platinum Mastercard Capital One
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Platinum Mastercard Capital One FAQ
Does Platinum Mastercard Capital One have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Platinum Mastercard Capital One?
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 Platinum Credit Card has a variable purchase APR of 28.99%. The card has a variable balance transfer APR of 28.99% . It also has a variable cash advance APR of 28.99% .
Does Platinum Mastercard Capital One have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Platinum Mastercard Capital One 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 Platinum Mastercard Capital One?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Platinum Mastercard Capital One?
The customer service number for Platinum Mastercard Capital One is (877) 383-4802.
What is the support contact email for Platinum Mastercard Capital One?
The support contact email for Platinum Mastercard Capital One is support@capitalone.com.
What is the login page for Platinum Mastercard Capital One?
You can access the login page of Platinum Mastercard Capital One here.
How do people rate the customer service and user experience of Platinum Mastercard Capital One?
Overall, Platinum Mastercard Capital One is strongly recommended based on community reviews that rate customer service and user experience.
Does Capital One Platinum Credit Card report your account activity to credit bureaus?
Yes, Capital One Platinum Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Capital One perform a hard credit pull?
Yes, Platinum Mastercard Capital One 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 Platinum Mastercard Capital One
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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.
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