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
  • 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
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 1010 user ratings.
Commented at Sep 16, 2014

$300 CL with a CS of 624. Great for building credit. Oh' and my score went up 9pts within 1 months. 

Review by Anonymous
Commented at Sep 8, 2014

I've had this card since January. Credit score was in low 600's was approved for $1250 to start. Completed credit steps successfully in June. In July they upped my limit to $3500!!!!  Now here in the beginning of September I was wondering if I would be able to upgrade to Quicksilver (ideal) or Quicksilver One (realistic as credit score still under 700 sitting at 663) Initiated contact through Facebook and made "appointment" for them to call me today. They called at 4:33 I was upgraged to Quicksilver Platinum with NO ANNUAL FEE!!! So stinking happy with Captial One. Customer service rep was polite and spoke english...just thought I'd throw that in there too.

Review by rmonica78
Commented at Aug 22, 2014

I decided to apply for this card on a whim even though CK says I had poor odds. Applied with a 578 CK score and was instantly approved for a $300 limit. Applied Saturday, got an email my card was in the mail Monday and received it yesterday (Thursday)  I didnt see anything about a credit steps program though. I will keep yall posted.

I am in the rebuilding process after going crazy in college (just graduated and got my first job a week after graduation) so I am thankful Capital One took a chance on me.

Review by infamousines
Commented at Aug 17, 2014

I was approved for the card the end of May 2014 I use 71% utilization with a $300.00 CL But I pay it off in full a week or more head of the due date is that Good or Bad or should I pay more then the Maximin then pay the difference off next month because I want my credit limit to Increase or do I have to wait the full six months for and increase...I am new to using credit cards I always paid cash for everything..but having a credit card is so helpful at times..

Review by kjarrett1991
Commented at Aug 14, 2014

My credit score was not "great". It is reported at 620. I used the First Premier and Credit One bank cards (with a $300 credit limit) for a year. I did not miss any payments but i was utilizing about 80% of my credit limit. I decided I needed additional accounts to show good payment history. I applied for Capital One and was given a $2000 credit limit with one year of 0% APR (which increases to 18% after a year). As long as payments are made ontime, and you do not go over your credit limit, there are no issues. I have never had an issue with ANY Credit Card when I make my payments ontime.

Review by Jester87

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.