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
  • 0% intro APR on purchases until January 2015
  • 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
  • Pick the monthly payment due date that works best for you
  • Pay however you want - by check, online, or at a local branch, all with no fee
  • Get access to your account 24 hours a day, 7 days a week
  • Start building for the future with features that can help you get there
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until January 2015* N/A* 22.9% Variable* $39* Fair Credit*
Intro APR Purchases 0%-until January 2015*
Intro APR Balance Transfer N/A*
Regular APR 22.9% 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 from all credit card issuers.

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 1272 user ratings.
Commented at Apr 10, 2014

Great card and great benefits to allow you to re establish credit. :-)

Review by Anonymous
Commented at Apr 8, 2014

I applied for this card in January of 2014

I always do my applications on the phone the application process was smooth and simple

they ask you very straight forward questions:

whats your anual income I stated 55k

do you have savings or checking I stated both

how much in both accounts combined i stated 7,500

how long have you lived at your residence i stated 3 years

how long have you been on your job i stated 3 years

tip: they like 3 or more years

they also like if you have 0 rent or mortgage

after all of that i was instantly approved for CL of $300!!?? I was ****ed but I guess when you have bad credit thats all you get. I was told to call back to request a CLI once I receive and activate my card, that was pointless because I was then told that my only option was to wait 6 moths for my automatic CLI of 250 Sigh... oh well I definitely have no plans to use this card. 3 weeks later before they had even reported anything to any of the credit bureaus my CK score had gone up to 586 I then applied for the quick silver card even though CK says I dont yet qualify. I was instantly approved for 500 :-/ another card I dont plan to use

in Febuary I got:

Citi bank secured card with a CL of 2,500

Bank of america secured card CL of 700

and a ft worth community CU secured card CL of 500

I really only use the citi card. Keeping it at 10-25%

All other cards 0-5%

as of 4/8/2014 my CK is 590 hopefully my scores go up to 715 sometime this year at which point i plan to apply for chase slate, citi simplicity and Discover

I also have a few things in collections from back in 2008 and 2009

i hope this review really helps you in your credit card aplication decissions I tried to include all of the information that I look for when reading reviews

Review by Anonymous
Commented at Apr 1, 2014

I was upgraded to the QuicksilverOne, but then days later an EO called saying they were waiving my annual fee. Woohoo!

Review by Anonymous
Commented at Mar 31, 2014

I've read a lot of reviews and can't help but see the frustration, but unrealistic approaches of applying for Credit cards.. It sucks seeing all of these great reviews, then get shot down and take a hit on your report/score.  Applying for a credit card is like meeting a girl.  You see her and she's a 1-10 (your credit score), then you hang out with her and get to know her (your credit history good or bad), then you decide if you want to be in a relationship with her (approval or denial of loan).  So if she's a 7 with a bunch of daddy issues and cats, you probably aren't going to jump into that relationship.... If she's a 6 with a few quirks, you might give her a shot....  I hope this helps, it's how someone explained it to me, I'm a 7 with a cat (690 and a repo). Just got approved for 3k.

Review by billyhova21
Commented at Mar 31, 2014

Thanks Capital One! First approved for a Cap One secured card with a $50.00 deposit (200 limit) and then two months later i was approved for the Platinum card with a 500 dollar limit. Thanks to Capital One, it is now eight months after my discharge and i have a Barclay's Rewards card and a Comenity Bank Visa and will soon have credit scores over 700 again. I just wish i didn't wait so long to file my BK. I have had perfect credit for my entire life. That is until the real estate market tanked and I lost everything that I had worked so hard for. Life happens and it sucks really bad at times but there is hope. Don't give up. I plan on purchasing another home within the next two years. Cap One was included in my bankruptcy as well. My balance at the time was only around 200 or so but they def give second chances. Thanks Capital One!!!! 

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.

+ Credit Karma users have received approvals with these TransUnion New Account credit scores. These approved metrics are only guidelines and approval is not guaranteed.