Capital One® Platinum Credit Card

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
  • Start with a $0 intro annual fee for the first year; $19 after that
  • 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
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 24.9%* Variable $0 intro for first year; $19 after that* Fair Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 24.9% Variable*
Annual Fee $0 intro for first year; $19 after that*
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: 8.0 out of 10 based on 464 user ratings.
Commented at Jan 26, 2015

Excellent card. It is my first unsecured card since the credit fiascos of my youth. Got the card in July 2014. I recentl got a CLI after completing their "steps" program. Hope to get another CLI when the card reaches it's one year anniversary.

Review by cblack412
Commented at Jan 23, 2015

I received an offer in the mail and I was going to toss it. Something told me to take a chance. I went online and applied. I got an instant approval for $300. My card arrived about one week later. I then decided to apply for the QuickSilver fully expecting to be denied. I got an instant approval for a CL of $500. I received an email a few days ago telling me that I am enrolled in the Credit Steps program for the Platinum card and should get a $200 increase by July 2015 if I use the card and make 5 on time payments. I hope the QS card offers me the Credit Steps. Thanks for helping me rebuild my credit Capital One.

Review by JMR120
Commented at Jan 23, 2015

I received a preapproval offer by mail and I was ready to toss it but I decided to give it a try. I applied online fully expecting to be denied. I got an instant approval and had my card within one week. A few week after receiving the Platinum card, I applied for the Quicksilver and got an instant approval. The Platinum card has a $300 limit and the QS has a $500 limit. A few days ago I received an email from Capital One advising me that the Platinum card is part of the Credit Steps program and if I make 5 on time payments, I should see a $200 CL increase by July 2015. Keeing my fingers crossed!!  Thank you Capital One for giving me a chance and a fresh start.

Review by JMR120
Commented at Jan 20, 2015

I had a cap one cards years ago (7+) and used it irresponsibly and...went to write off and eventually even a judgement. So imagine my surprise when I began to receive preapprovals in the mail for this card. I waited to apply figuring it had to be a mistake, then I got up the guts to go online and give it a try! Approved for $300 on the spot! Yay for second chances! 

Review by carolhell
Commented at Jan 17, 2015

Just wan t to say thanks!

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® 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.