Capital One® Classic Platinum Credit Card

The following table shows the features, rates, and other key data for the Capital One® Classic Platinum Credit Card offer in Capital One offers. These terms are updated on a daily basis by the CreditCards.org database. If you wish to apply for the card, you may do so securely on its official website by clicking the Apply Now button below:
Capital One® Classic Platinum Credit Card Apply Now
  • Get the credit you need with a competitive rate
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account - even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
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599
average
523
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 20.9%* Variable $39* Fair Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 20.9% Variable*
Annual Fee $39*
Credit Needed Fair Credit*

Credit Score Needed

Capital One® Classic Platinum Credit Card is generally for people with Fair Credit, though other factors besides credit score can also determine whether a particular application is accepted. See more Capital One offers.

Most Helpful User Review

Commented at Oct 7, 2010

Pro:I had a credit score of 512 CK. I got approved for $500 and it has gone up to $1500 after one year. My credit score is now 630. Make sure you keep ure balance under 30% usage. i.e. my limit is $1500 so i keep my balance under $450. That is what's building my credit.

Con:Always pay on time b/c the fee is $40 and intrest kicks in after your first year.

Review by foxsbaby23

User Reviews

Average Rating: 7.8 out of 10 based on 1049 user ratings.
Commented at Dec 20, 2014

I got denied before i received an approval for a USAA master card of 500 CL . Approved me for 300 CL and has opened other doors since

Review by sparklerd35
Commented at Dec 17, 2014

I was leary of applying for this card after being declined for other cards. Rebuillding after a financially devastating divorce. Was approved for 300.00 and in less than 6 months increased limit to 2300.00  I keep my balance at about 10% of the limit, or pay it off within a couple months. Was especially glad I had the card last month when I had to fly out of state and rent a car for a family emergency...my card was a blessing!

Review by Robinski1956
Commented at Dec 9, 2014

Actually approved for a $300 CL with a CK score of 584. Not a whole lot, but more than enough to get credit repair going.

Review by Alle8263
Commented at Dec 6, 2014

Approved with CS of 635 with 1,000 limit no annual fee and 0% APR until Feb 2014.  Looking forward to see what they up my CL after my first 5 months paid on time.

Review by Sunnyd5
Commented at Nov 20, 2014

After I got my secured card, I was 'preapproved' for this card.  I got it and my initial limit was $300.  Then it went up to $700 after like 5 months of full time paying it all off. Then 5 months later it went up to $2250 after paying it in full.  Now it's at $4250.  Not bad.  Just kept on making payements and they kept on increasing my balance.  No rewards though...and the few rewards they offer sometimes are too specific to really mean anything.  I like the fraud protection though. 

Review by iggy670

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Capital One® Classic Platinum Credit Card for complete terms, conditions, and details of the offer.

+ This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.