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
  • Start building for the future with features that can help you get there
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 1024 user ratings.
Commented at Sep 26, 2014

Got approved for this card with a TU credit score of 559.  7 derogatory accounts and a federal tax lien on my credit report from 2013

Review by Anonymous
Commented at Sep 26, 2014

It has brought my score from 600 to 732. Use it pay it off every month. 

Review by Anonymous
Commented at Sep 19, 2014

I qualified right away with a credit score of only 589, but after a month of not receiving it, I called and had them send out another. When THAT one didn't arrive after three weeks, I called again, and was overnighted a third one at no cost. I received it quickly, and activated it on the spot. However, the activation didn't work, and I found myself unable to rent a vehicle with the card. A call to customer service however and it was activated and back on track. Their customer service so far has been great!

Review by Anonymous
Commented at Sep 19, 2014

I qualified right away with a credit score of only 589, but after a month of not receiving it, I called and had them send out another. When THAT one didn't arrive after three weeks, I called again, and was overnighted a third one at no cost. I received it quickly, and activated it on the spot. However, the activation didn't work, and I found myself unable to rent a vehicle with the card. A call to customer service however and it was activated and back on track. Their customer service so far has been great!

Review by Anonymous
Commented at Sep 19, 2014

i recived an approval with a 635 credit score . instant approval with 300 . with in 3 month i received a credit increase with out asking to 3300 . never used more than 16% of the 300 and paid in full . i am pleasantly suprised. no fees no interest 1 year and after that a low 13% interest :) great card for those repairing credit...

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.