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
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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: 7.8 out of 10 based on 384 user ratings.
Commented at Nov 19, 2014

Got this card to avail of the 0% APR promo, got suprised (my fault) when I got hit with finance charges!

I know I should have watched the promo deadline carefully but I cannot find that information online or in my statements. I needed to search for the mail that came with my card and confirmed the promo period.

Gave them a call, got busy signal! Twice! Got to the main menu, needed to punch / say the 16 acct. numbers/last 4 ssn/etc. then finally have to press 0 for representative. Got told that my APR is blahblah% and I'm eligble for upgrade blahblah! Confirmed that the promo APR expired and thats the reason for the finance charge. Admitted my fault for not paying attention to the dates but they won't waive the charge because I got "suprised" and got no "warning". Too bad Capital One, lost my business right there. It's should have been your chance to earn good karma from the customer and probably my loyalty. I guess thats the business plan all along, "hope customer forgets the deadline" and "suprise" new customers with finance charges.

By the way, I wrote Poor Customer Service as title because I felt I did not get any service as a customer at all (except for the bait 0% APR). Also when I call my other card Discover, never got a busy tone and the first thing you hear is Press 0 to speak to a representative and I did not need to punch in my acct # since they recognize me from my phone caller id! Now that's a real customer service that deserves good karma!

Review by Anonymous
Commented at Nov 18, 2014

I got an offer in the mail for this card. I took a chance and applied, with a credit score of 517, and was approved immediately for a low limit of $300. After the 5 months of making purchases and paying the balance either in full, or leaving a small balance they raised my limit to $3300! Now my credit score has gone up 100 pts in those 5 months. I thought it was impossible to improve credit that fast but it can be done. I haven't had to call customer service, but the app and website work just fine. This is a good card overall for the person who is trying to rebuild their credit. I would recommend it.

Review by Jazzamasaurus
Commented at Nov 18, 2014

I applied for this card six months ago and was pleasantly surprised that I was approved with a low 600 credit score and years of past credit problems.  Limit was $300 but that was fine since I wanted to rebuild my credit and did plan on using it much.  I have made my small purchases and made payments ahead of time and over the minimum for the past five months.  Today I was pleasantly surprised to find that I had received a credit limit increase of $1000. Sure the interest rate is high, but if you have bad credit you have to be thankful just to be approved. I was. No complaints at all.

Review by eudielynn
Commented at Nov 16, 2014

Came back from Marines, applied as my first true CC and was approved over the phone for $3000CL. My score has improved 40 points in the last 6 months! I keep my CC utilization under 2% and make EVERY payment so it's worked for me.

Great card to build credit, it's opened multiple doors for me to get other CC's.

Review by CA831
Commented at Nov 14, 2014

About six months ago I applied for this card. I was and still am in the process of rebuilding my credit.  So when I was offered this card through Credit Karma under a fair rating I figured why not. The application process was quick, and easy. And the first year free without a fee is great. After the first year it is only $19 and that is much cheaper than most others.

Since having this card my credit has increased. I was given an automatic increase after six months as promised. To get the increase I was told that you have to have the card active and maintain card payments. You can also request credit increases after the six months whenever you want without it hurting your credit score.

Another side note to those like me using this card to build credit. Yeah the interest rate maybe high and you have a fee. However after you credit has increased and you feel you are out of this cards needs call customer service. Capital One will look into other accounts with lower interest rates, no yearly fee, AND keep you card information the same so you don’t lose credit history switching. 

Review by Familyman83

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.