Is Capital One Platinum Credit Card the right fit for you?
Last Updated: 03/30/2026
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)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
28.99%(Verified 01/07/2026)
Disclaimer popup with additional information
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
| The Good | The Bad |
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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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual 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.
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
SuperMoney has partnered with CardRatings for our coverage of credit card products. SuperMoney and CardRatings may receive a commission from card issuers.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.
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
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Other Credit Cards from Capital One
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Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
640 - 700
300
850
Annual Fee
$39
Purchase APR
18.49% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
640 - 720
300
850
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
750 - 850
300
850
Annual Fee
$95
Purchase APR
15.24% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 26.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
17.99% - 27.74%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 27.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.9% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 25.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +86, or 4.7 on a 5-point rating scale.
+86
-1000+100
No one recommends
Everyone recommends
Capital One Platinum Credit Card Community Reviews
Would you recommend Capital One Platinum Credit Card to your friends?
YH
Yvonne H.
Jun 19, 2024
May or may not recommend
I would like my limit on my Capital One to be a little higher than what it is if that's possible
U
Anonymous
Jun 16, 2024
May or may not recommend
I haven’t used Capital Card and I hope to enjoy better
PA
Praise A.
Feb 27, 2024
May or may not recommend
"I've been a cardholder of the Platinum MasterCard from Capital One for several years now, and I must say, it has exceeded my expectations in every aspect. From its straightforward rewards program to its excellent customer service, this card has truly been a valuable financial tool for me.
One of the things I appreciate most about the Platinum MasterCard is its simplicity. The rewards program is easy to understand and offers ...Show More
AC
Audree C.
Nov 8, 2023
May or may not recommend
When it comes to Capital One, I have mixed emotions. I've had a Platinum Mastercard from them a few months ago. Their customer service is not great, they seem to not communicate with each other in the company which causes many problems. I've had someone tell me, when I was waiting for my card in the mail, that I can change my address a little while after I requested it. ...Show More
U
Anonymous
Oct 2, 2023
May or may not recommend
Great to start building or rebuild your credit after hardships due to covid29
PL
Patricia L.
Apr 21, 2023
May or may not recommend
All I can say is, Wow.
I love my card. That is all I can say. I have had issues with credit cards before. It's a personal matter, but I was approved last year on the first try.
Pros: I have an account that connects to my other account on Capitol One. The other is a Walmart store card, and I can go back and forth ...Show More
HS
Hannah S.
Apr 19, 2023
May or may not recommend
I would recommend this card to anyone. All my cards through Capital One have made earning and using credit so much easier. The fees are low on this card, my limit increased quickly and always earning points.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I got the Credit One Platinum Credit card to use an emergency option. It is nice that there is no annual fee. There are no rewards for this card but if you are looking for something strictly for emergencies this card is the perfect one!
TA
Tatiana A.
Nov 25, 2022
May or may not recommend
My experience with this credit card was great and I had no issues with this card.
Rickey M.
Oct 16, 2022
May or may not recommend
I have had Capital One for over 10 years now and I absolutely recommend them to anyone who is looking for a credit card. Their interest rates are not that bad at all if you do not leave your card maxed out and they have a lot of other perks that go along with having a card with them. Their add-ons that they give to you along with having a ...Show More
JH
Janis H.
Oct 6, 2022
May or may not recommend
Having a platinum MasterCard from Capital One in my pocket is a must. I highly recommend using them not only for their good interest rates but for being a long-standing reliable company.
EL
Erin L.
Sep 22, 2022
May or may not recommend
Once upon a time, I had average credit and needed to build credit. I found out about the CO Platinum. It doesn’t have an annual fee, and you can travel with it because it doesn’t have foreign transaction fees. The credit line will be low, but if you make your payments on time for six months, you can get a higher credit limit to build your credit ...Show More
Hollie B.
Aug 23, 2022
May or may not recommend
This is a great credit card to rebuild credit. I now have several credit cards and better credit than before.
Tarah D.
Jul 2, 2022
May or may not recommend
When I was rebuilding my credit, Capital One Platinum was the first credit card I was able to get without putting down any money. There is also no annual fee. This was a great card for re-establishing your credit. Once you make 6 successful payments, they will increase your limit, and continue to do so over the life of the card. If you continue to make on-time ...Show More
MR
Megan R.
May 3, 2022
May or may not recommend
I got the Credit One Platinum Credit card to use an emergency option. It is nice that there is no annual fee. There are no rewards for this card but if you are looking for something strictly for emergencies this card is the perfect one!
JB
Jennifer B.
Feb 13, 2022
May or may not recommend
This was the first credit card that I applied for with Capital One, at a time when I was trying to rebuild my credit. I was happy to have that opportunity at a time when I didn't feel I deserved it. I still have this card, but since rebuilding my credit, have other cards with more favorable terms. I happened to apply during a time of lower ...Show More
Sophia D.
Jan 20, 2022
May or may not recommend
I have had the Platinum Credit Card for about 3 years and I have enjoyed it. Within 6 months my credit limit was raised from $300 to $500 for having an on-time payment history. I also enjoy how they provide you with your updated credit score monthly and provide tips on how to improve. I recommend this to anyone looking into their first credit card!
Renee D.
Jan 5, 2022
May or may not recommend
The Platinum Credit Card has it's benefits and like any service has it's wrinkles. In my opinion it would depend on your intent and history when getting the card. I opened this card with a Good credit score early in my credit journey. I quickly racked up a balance paying for educational needs. This is when I noticed the impact of the interest rate vs. the impact my minimum payments ...Show More
JC
John C.
Nov 6, 2021
May or may not recommend
I love using this card when it's absolutely needed. I would love rewards for the card but honestly I think the perks are enough.
Johnny M.
Aug 20, 2021
May or may not recommend
I don't have an experience yet but we'll see how the application i'm about to fill out right now
Showing 20 of 65 reviews
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