The following table shows the features, rates, and other key data for the Capital One® 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® Platinum Credit Card Apply Now
  • Pay no annual fee
  • 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
  • Help strengthen your credit for the future with responsible card use
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 24.9%* Variable $0 Fair Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 24.9% Variable*
Annual Fee $0*
Credit Needed Fair Credit*

Credit Score Needed

Capital One® 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 May 22, 2012

I've had this card for almost 2 years and FOR WHAT IT IS, its an incredible asset! I started rebuilding my credit in 2008 with an HSBC secured card with a $200 CL. I never asked for a CLI because all I was doing was putting one tank of fuel on the card per month and then paying it off. This kept me at my 30% goal of utilization and showed a healthy habbit of paying off my debts each month. After a year my score jumped from a 608 to a 670, which is when i applied for this card. I was instantly approved for a $350 limit and enrolled into the Credit Steps program (make payments on time and get instant CLI, etc...) After one year my CL jumped up to $1250 and has recently doubled to $2500. I used this card for all of my grocery/dining out purchases and cleared the balance each month. My score has jumped from a 670 to a 730 (TU/EX)  and I now use a Cap One Venture  (Sig. Visa - $7500 CL) for all of my purchases to rack up miles/points towards travel. I still keep both this card and my HSBC in the wallet (HSBC has a great Credit Monitoring program that allows me to pull my report/scores once a month from all 3 CB with no HP) to keep the AAoA up and to remind myself of where i started and where i am today. 

For all of you complaining about this card having a high APR or a low CL you really need to understand that this card is a tool for people looking to rebuild their credit. If you want a high limit apply for a Visa Signature Card (Chase Saph, Venture, Citi Pref etc..) but you better have a great CS and a good history or you will be instantly denied. For everyone trying to re-build there credit Capital One is a great place to start!

Review by Yogi969

User Reviews

Average Rating: 8.4 out of 10 based on 687 user ratings.
Commented at Aug 30, 2015

2 weeks post bankruptcy 7 discharge and I decided to apply for this card to rebuild my credit. So far through other companies I have been shot down. Capital One approved me instantly with a $500 credit line. I appreciate them giving me a chance to start over. Thank you Capital One!

Review by ilovepurple6
Commented at Aug 28, 2015

The application process for people who are victims of identity theft is like crazy impossible they make you wait 2 weeks for someone to call you and lord forbid if you work a full time job and can't answer when they call you have to place in a cue again for someone to reach out to you. Then if you have more than one application in there system that was needing to be verified that approve all the applications and give you multiple credit cards. When asked if they can convert one card to a different product they refuse and say it's impossible for them to convert an account when my boyfriend called in they converted his card with. I questions asked. I have reached out to their corporate office. Multipl manager and no one will help me all they tell me to to apply again for a different card. Out of frustration I apply for the QuickSilver card and was in mediately declined for a recent approved applications. Now I am stuck with 6 inquiries and 2 platinum cards with no one willing to help me I am filing a complaint with the better business bureau.

Review by iamelle
Commented at Aug 16, 2015

My debt was bad, 3 repos, 33 negative accounts. I started paying attention to my credit report about a year ago. Within a year I am down to 8 negative accounts. 7 of them are hospital bills. Ive had a wells fargo secured card for 10 months now. I just got this cap one unsecrued platinum card 3 months ago 5/7/2015. My limit was 300, I just now 8/16/2015 was playing around an asked for an increase online. My limit is now 800. I love it. It means I am doing well. I did not pay down my debts, I waited for most of them to fall of and disputed a lot of them. I earned an associates and am ixing to have my bachelors completed in Spring 2016. This will be a big help when it comes to finding a job in my computer field. 

Thanks Cap one. 

Review by Quartell
Commented at Aug 16, 2015

I was approved just four days after Chapter 7 discharge with scores in the mid 500's. Customer service has been great and I love being able to pay my bill instantly from my Iphone. My payments have been posted  and reflected in my available balance within hours. So far, I'm a happy customer. 

Review by Jessumgal
Commented at Aug 13, 2015

I just got approved for a $500 limit with a 639 CK score! I have the Capital one Quick Silver card that I got last month and I have loved buying with it and getting rewards plus making the payments over the last 30 days. I decided that I wanted to be more agrisive on my credit so I appled. I pay all bills on time and try to keep the balance below 50%.   For the recourd I am 9 months out of a chapter 13. 

This card will be used for my Xbox Gold plan and internet each month thats it.

Thanks Capital One!!!!!!!

Review by Esca74

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Capital One® 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.