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
596
average
526
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: 8.0 out of 10 based on 1100 user ratings.
Commented at Mar 28, 2015

I got approved instantly for a 300$ Credit Limit, it's not much but I'm really happy. I'm 18 and new to credit I'm glad they're taking a chance on me I won't let them down. I've been thinking about applying for weeks reading several reviews. Finally did it ands it's awesome! - Joshua.

Review by JasonSonicZombie
Commented at Mar 23, 2015

I was approved by Capital One when nobody else would. I had a credit score of 511 with a high interest car loan, and was always denied for nearly everything. I applied for this card when I joined Credit Karma and was recommended the card on my profile. I applied for the heck of it, expecting to be let down. I was approved instantly for $300 and with NO security deposit, (I figured I would only be approved for a secured card). I received my card within 7 days, used it immediately to see if it was real. Lol ... It was! I realize it's a small credit limit, but you have to start somewhere.

I've used it and have kept my usage under 30% or close to it, and have never had an issue with payments posting nor credit not being readily available. What I love about this card is that as long as you pay before 8pm EST, you have the credit available the very next day. You never know with emergencies or whatever, so it comes in handy. I have contacted customer service a number of times and I have to say their customer service is second to none. Extremely polite, little to no wait time when calling, and you really feel they will go out of their way to satisfy you.

My credit score immediately went up 20 points by opening the line of credit, and only a month later I was approved for a Capital One Quiksilver cash rewards card ($500!). Capital One has reported my balance and monthly payments every month and it has positively affected my credit. It's only been 5 months and I'm up to 596 (I laso have two other credit cards and have faithfully paid my car note every month). 

I LOVE CAPITAL ONE ! :)

Review by MarthaGalvez
Commented at Mar 15, 2015

Some of the very few things someone will imagine is getting injured on the job then finding out after you were 'out of it' with medications is when you are sent collection letters. Its difficult. Then when you finanlly have every one on board you find one corporation is not. That would be Chase. Chase is one of the worst if you find yourself through no fault of your own. I was lied to on one side told another. After a lot of angst I contacted an attorney who started clearing my credit. Phone calls stopped. (Point of order? Be aware of Chase). After that nightmare I found an HSBC card that allowed me $300.00 cl. That was when I started rebuilding my credit. When Capital One took over HSBC that was an eye opener. I am not sure who was in charge of monitoring and increasing CL's at CapOne. Whoever it was gave me a second chance. I made sure that I made more than the required payments and kept my purchses low. One day I logged onto Credit Karma and found that I was being offered a Capital One Quicksilver card. I knew this was not going to work. No way was I going to get a Cap One Quicksilver Credit Card from such a prestigious company like Capital One. So what the heck. I applied on line. Ten seconds later the reply came back I had a $1000.00 cl Quicksilver Master Card. What!!. Since then my credit score has been going up. My cl is now $3000.00 with Quicksilver. To all those montitors at Capitlal One thank you so much for beliving in me and others who are on the ropes and only want a hand up to improve their credit. When I have called their 24 hour line I have been met with only excellent customer service.

Review by michael66186618
Commented at Mar 13, 2015

I wasn!t sure that i would Qualify for this card ,I used their pre qualification process on their website and to my surprise i was approved for the Capital one platinum card and also the Capital one Quicksilver one card . Both cards gave me a $500 credit line .This will help me improve my credit score. Thank you Capital one !  

Review by raybill
Commented at Mar 12, 2015

So i was looking around for my first credit card to buy and i applied to a total of 9 different credit lenders(9 hard Inquires makes me sad) Capitol one was the only lender that accepted my application with no credit score or History and gave me a $300 Limit.

If your looking to get your first credit card ignore all other credit lenders they will just deny you and slam your credit report with hard inquries but needless to say even with 9 hard inquires on my account, my credit score is at 663 right now only had it for 2 months. 

Highly Recommend! 

Review by Antt1122

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.