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 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
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: 8.0 out of 10 based on 1079 user ratings.
Commented at Feb 26, 2015

Before I signed up with Credit Karma, I must've applied for over a dozen or so Credit Card applications to help me rebuild my credit and was always DENIED....I signed up with Credit Karma and an hour later,on their recommendation list was Capitol One...I figured,what the hell,I'll try it..even though I knew I was gonna be denied,turns out I GOT ACCEPTED with A  $300 Limit!!! This is gonna my credit score improve big time!!! THANKS CREDIT KARMA AND CAPITOL ONE!!!

Review by JohnJizzle
Commented at Feb 19, 2015

 I was coming off a bankruptcy, which included two cards from Cap One. I applied, and was approved with a $2,000 limit. Thank you, Capital One for givng me a second chance.

Review by rjf1975
Commented at Feb 16, 2015

I have a Capital One secured credit card with a limit of $500. I recently paid off all of my old debt (about 3 grand) and it raised some of my FICO scores about 60 points; recently I applied for a Chase credit card but was declined. I figured I may as well take the hit on this card and see what would happen, I got approved for a 1,000 $$ credit limit right off the bat with no deposit, down payment, or anything of that nature. I'll be making small purchases to get the ball rolling with their five month pay on time deal but the purpose of this card is to help rebuild my credit - along with the secured card I have. Love CapitalOne, I am glad they took the chance on me with the secured card and so happy they approved me for this card with a 1k limit even though I have less than perfect credit. Here's to the future! 

Review by chaos2tw
Commented at Feb 16, 2015

Just logged in and BAM! +$2000 increase! Started with $300 cl last April. 6 mo later increased to $500 and now $2500 limit. I have 3 other capital one cards; quicksilver one $3500, quicksilver visa $3000, venture one $7500. Credit score 669. 

Review by Shebelareese
Commented at Feb 10, 2015

I have always had the worst credit with late payment dirg marks collections identity theft and all. Never had credit card (of my own just in my name) just loans and medical bills, never could get a credit card either. But a year ago Capitol One denied me for every card they have. Yeasterday I got a Pre-Approved offer for this card in the mail and said what the heck lets see. Bam 60 seconds later WELCOME TO CAPTIAL ONE $300 CL increasing after 5 payments. THANKS CAPTIAL ONE FOR GIVING ME THE CHANCE TO REBUILD!

Review by shdonald810

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 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.