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
563
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 1032 user ratings.
Commented at Oct 21, 2014

This is the secound best out of 4 cards I have! I actually use this card about every single day! But if you dont already have the Quick an Silver card you should apply for that one first! Credit Karma said I have a good shout to get aproved and I did, I had this card for about 3 months and already got a credit line increase! So happy with this card! Give it a try! Capital One is my 2nd favorite credit card provider!

Review by Buzzy555
Commented at Oct 20, 2014

Well, whenever I applied for this card over the phone I wasn't surprised that I was approved for a $300 credit line limit. Since, I only had a secured credit card, witha few department store cards, but none the less I was happy with the approval.

I used the card fairly for small purchases, such as gas, food, and other necesseties, but ALWAYS paid in full. As I was explained in the beginning, I was enrolled in this "credit step" program, which means with good account history, I would have a credit line increase to $500. Yet, to my surprise I received a credit line increase to $3,300!!!!!! I was shocked and even called customer service to make sure this was not a mistake and they informed me that there was no issue on their end and thanked me for being a capital one client.

So far everything seemed to be ok with Capital One. Online payments are posted in a fair amount of time and you can even make a payment with a debit card via telephone. One time they accidently credited a payment to a wrong capital one account, but had it fixed withing 48 hours :-)

Review by aa456
Commented at Oct 16, 2014

I applied for this credit card back in April of this year, with a credit limit of $500.00. I was enrolled in the credit steps program. I made my first 5 payments on time and sometimes well before the due date,and paid the each balance in full. I just logged into my account to check my account balance, and discovered that my credit limit was increased to 3,500!!! I assumed it was a mistake so I logged out and logged back in and sure enough it still was the same credit limit, I even made sure it was my name on the screen, I nearly dropped my I pad, LOL! I was expecting for a credit limit of $750.00 after i completed the program, but I truly appreciate the generous credit limit, especially from capital one! I was investigating which card I should apply for next, that offer higher credit limits, but I will hold off on that for now, Thanks Capital one!

Review by Trinabrock1
Commented at Oct 15, 2014

I did the online application, and all I saw on the next screen was "7-10 days "(I was peeking through my fingers, as my hands covered my eyes). I automatically assumed I was getting the standard "you will receive a notification of our decision" blah, blah, blah....   However, it actually said I would receive my card in 7-10 days.  I was APPROVED!!!!!  My CK score 635.  instant approval for $3000.  After reading the advice on this site, I will keep my CU at or below 30%.   Thanks Capital One!

Review by Anonymous
Commented at Oct 11, 2014

I have no complaints whatsoever! I'm very happy and excited that I have been given a second chance at repairing my credit! I recently did a inquiry on my credit report and didn't think I would be approved and I began gettin pre approved offers in the mail, I filled the app out not thinking I would get approved and got a Capital one credit card in the mail about a week later with a $300 credit limit. Yes that's a small amount, but the benefits will be much greater later!

Review by Anonymous

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.