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 416 user ratings.
Commented at Dec 21, 2014

I had not had a credit card in years my credit score was around 659 on this site but 696 on My FICO.  The application came in the mail and I decided to give it a try.  I was approved for a $2000 credit limit.  I have had it for 6 months and when I went on line yesterday my credit limit has been raised to $5000.  I always pay early, I always pay off my balance, and I never go over the limit.  I do wish this card had points.  When I have called to speak with customer service they are always very nice on the phone or chat.  This card has helped my score rise. 

Review by Jax52
Commented at Dec 19, 2014

I got approved for this card in July 2014 when my credit score was 586. I made my first five payments on time - though I was only initially paying the minimum, but I've recently increased that - and got my credit limit raised as promised. Also, I've just been approved for the Capital One Quicksilver card, which I doubt I could have gotten without first having this card. Thank you to Capital One for taking a chance on me!!!!

Review by kerintheam
Commented at Dec 19, 2014

I was skeptical about applying for credit because of a chapter 7 BK, but I applied about a year after and recieved two cards through Capital One. Both of my cards were $300 limits, and I had 1 for 6 months before they increased the limit to $1,500. I had high balance ratios, but paid them off completely. Apply with confidence. 

Review by Anonymous
Commented at Dec 17, 2014

I had been receiving offers for months and kept throwing them in the trash. Finally I applied and was approved for $300 CL with a 498 credit score. Have been paying ontime and score is now 560. Should get an increase in Feb 14. Cant wait to see what it will be.

Review by Anonymous
Commented at Dec 15, 2014

Thank you capital one! This bank is awesome, love the app! It helped me build my credit and I have a couple of accounts with them, customer service is great! I recommend this bank to my family all the time!

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.