Capital One® Platinum Prestige Credit Card

Capital One® Platinum Prestige Credit Card Sponsored Card
Required Credit Score: Excellent, Good
4 772 reviews   Write a Review!
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Capital One® Platinum Prestige Credit Card's Rewards

This card does not offer rewards.

Capital One® Platinum Prestige Credit Card's Key APRs & Fees

Intro Rate on Purchases
0% until November 2015
Intro Rate on Transfers
0% until November 2015
Regular Rate
10.9% - 18.9% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 3%

Capital One® Platinum Prestige Credit Card's Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   29.4% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 24.9% (V)
  • CASH ADVANCE FEE 3% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    None
  • Get 0% intro APR on all purchases until November 2015
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
Apply Now
at Capital One's
secure site

Capital One® Platinum Prestige Credit Card Reviews

 
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3.8
Overall Rating: 3.8 / 5
Total Ratings: 772
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Aug 26, 2014
Photo of Joseph A.
4
By:
Capital One® Platinum Prestige Credit Card a good, useful card for my everyday need. No annual fees is great, and I don't care about not getting reward points. The 3 percent transfer fee is minimal, and the regular rate is doable for me as long as I take care in how I use the card. Overall, this card is great for my needs.
Aug 11, 2014
Photo of Tosin A.
4
By:
I have had Capital one Mastercard credit card for a two years plus now. The credit card is really great. The customer service is awesome. The interest rate and fees is not the most competitive out there, but for someone like me who was looking to build my credit at the time, it was an excellent option. It is easy to sign up and you can easily update your income on the website and if they see that you are consistent with your obligations, your limit will increase.
Aug 11, 2014
Photo of Bill W.
5
By:
I have had this card for approximately 4 years now and it has been wonderful. I did not have the best credit at the time I applied, but I was approved quickly and easily. I was given a generous credit limit, and I have been given regular credit increases without having to ask. Overall I have been extremely happy with my choice of this card.
Aug 7, 2014
Photo of Jacob W.
5
By:
This credit card has been great for us! We do not have the best credit and we were approved for a card. This is allowing us to improve our credit and get back on the right track! Thanks for helping us!
Jun 12, 2014
Photo of Kendall V.
4
By:
I've been very happy with my Capital One credit card since I got it 5 years ago. When I got it, I was young and didn't have the best credit, but Capital One saw it was improving and offered me one. The card I got had no annual or monthly fee. I originally had a $750 maximum which was more than fine with me, my sole purpose of owning the card was to build back my credit. Over the years, Capital One saw I always paid my whole bill on time and slowly raised my maximum to $2,200. Also, my credit has raised from poor to good in those five more
May 28, 2014
Photo of Brian M.
5
By:
I'd like to be able to tell you that I have a Capital One credit card so I could always give the answer when someone asks, "What's in your wallet?" But the truth is I have a Capital One credit card because I wanted to be with the best there is in the business. Capital One first snagged me as a customer by offering me an awesome rate on my new car loan and when I decided to get a credit card, they again gave me an offer I could not refuse. This credit card is great for establishing credit, building credit or simply maintaining the great credit rating you more
May 28, 2014
Photo of Jerry B.
4
By:
My Capital One Platinum is a good card for building up your credit, but not one of those predatory cards. Just a good starter credit card. It even has a cash advance for emergencies. The rate is competitive with the market, so no complaints there. I have had cards through them before and have been very pleased with their customer service. So definitely give this card a positive review, it's limit isn't so high as to get you in trouble, but you can learn how to maintain and grow your credit with it. I keep it for emergencies.
May 28, 2014
Photo of Jeremy S.
4
By:
I have been a customer for almost 10 years and I have always been happy with the service I receive from Capital One. This was one of my first credit cards and as my credit has improved, they have increased my credit limit substantially and reduced the interest rate as well. When I have needed to call customer service, the representative has always been polite and helpful. This has happened twice, once when I did not remember to pay my bill and another time before I planned to travel internationally.
May 28, 2014
Photo of Sydnee P.
3
By:
Because of my bad credit, I was excited to finally be approved for a credit card. I was disappointed about having to pay a 100 deposit for a 200 dollar credit limit, but I understood. It has been almost 5 months since I have received my card and I am still at a 200 dollar credit limit. I have never been late making a payment but I am still stuck at a 200 dollar credit limit. I am hoping that I receive and increase soon. I recently downloaded the app and love it. It is quick and easy to use. I also love the free credit tracker and have actually more
May 21, 2014
Photo of Andy F.
4
By:
I'm not sure what it is, but capital one has consistently provided me with the best customer service with all cards I have used with them. Their staff is very kind and helpful, and are always willing to help with any question or concerns I have. There are a ton of interesting features with this card, though honestly not all of them are really totally useful. It is nice to get rewards for new purchases, but I would prefer a larger amount of cash back/rewards opportunities. I have noticed that the first time purchase bonuses do not always work correctly in their system, but calls to customer service have always more
May 16, 2014
Photo of Tiffany G.
5
By:
This card and company are great! I've never paid any fees or anything! I always pay off my balance at the end of the month, so this is a great card for people like me.
May 16, 2014
Photo of Lara H.
4
By:
Capital One has provided a smooth transition from the company who previously owned my account. Additionally, I have found that handling my payments and transactions is even easier with Capital One! I'm very pleased with the service they provided - what could've been a nightmare was a breeze!
Apr 10, 2014
Photo of Gabriela J.
5
By:
This card is great. I got pre-approved in the mail, then instantly approved within a minute of agreeing to the terms. It is convenient, and the promo offers they have, help work around your schedule and needs. Their customer service personnel is friendly and knowledgeable. I highly recommend this card.
Apr 4, 2014
Photo of Richard D.
5
By:
I love this card. It is a great card for rebuilding your credit. This was one of my first cards and even though it has a 39 dollar a year fee -the interest rates are not too bad and it is a credit rebuilder
Capital one customer service is easy to deal with and you can use their excellent on line account management tools too. According to "Credit Karma" they approve scores on the low side of "fair" so it can get a lot of people started rebuilding their credit. This is a reputable company and they will treat you right.. IT REPORTS TO ALL THREE CREDIT AGENCIES!
Mar 27, 2014
Photo of Angela C.
5
By:
I love this card! I love Capital One! Capital One is one of the best credit card companies out there. I have never had any trouble with their card when I use it, like I have with other cards from different companies. All the reps I have talked to when I call are excellent at their jobs and have been super nice. They even worked with me when I had to miss my payment date. I would recommend Capital one to everyone!
Mar 17, 2014
Photo of Trista T.
5
By:
So far, highly impressed with this credit card and the ease of the online app! The ability to set your own payment date is GREAT!!
Mar 12, 2014
Photo of Xavier S.
5
By:
I applied for this card because I have had previous history with Capital One credit cards and have no problems. I wanted to focus on a card that didn't have interest rate for an extended period, and I also wanted some incentive for transferring other balances to this card. Not having an annual fee already sets this credit card different than others. Also, they were offering no interest until 2015, which is amazing. Transferring balances also allowed me to not have an interest rate for an extended period of time as well. Not paying interest is something that I primarily focus on because interest rates can really make more of more
Mar 7, 2014
Photo of Robb F.
5
By:
This is the one credit card I have kept while pursuing my Debt Free Goal. The interest rate has always been the lowest of all the credit cards i have possessed and they always have great deals for me. Little to none low interest rates on transfers so that I can continue pursuing a debt free lifestyle. The service is quick and polite when ever I do have to deal with them. I am not stuck on the phone for hours like other places. I plan to only ever have one credit card again and this one will definitely be it.
Apr 13, 2014
Photo of Eric T.
Eric Trace
Debt free is something I've been trying to attain for quite some time as well. Hang in there and good luck!
Feb 21, 2014
Photo of Michelle B.
4
By:
So I’ve had my Capital One card for 6 years now and overall they are a good bank. In all the time it was only once that I forgot to pay my bill and because it was my first time in 6 years they didn’t charge me a late fee. Their customer service was very helpful and understanding. Also because I have had their card for so long, I was able to negotiate a better annual APR of 22.90% which when broken down monthly is only 1.9% interest for charges. That’s such a great deal and I will always continue to use this card.
Feb 21, 2014
Photo of Jeff H.
3
By:
I had this card, but do not particularly like it due to the fact that the interest rates are so high after the initial period of 0 percent APR on purchases. When I had it, it was between 8-17 percent, and you can find much lower interest rates with other cards. It was nice that I had fraud coverage if it got stolen and there was no annual fee. But this card is more about having status than having value. I also dislike that there are no real benefits or points value accumulated for using the card.
Feb 17, 2014
Photo of Nicole M.
4
By:
I have had this credit card for a little over a year now, and I've never had any problems with it. It was a very simple approval process, and customer service is always very easy to deal with. Since I've gotten this card, I rarely use either of my other two credit cards anymore. This is a great card whether you have great credit or needing to build up your credit.
Feb 12, 2014
Photo of Nick G.
4
By:
This is a great card. I have used it for over a year and experienced very few problems. It was easy to set up and get my account information, and the representative I spoke to was helpful and informative regarding the rewards from using the card. There is a good APR and the opportunity to earn cash back if you opt into certain programs. I would definitely recommend this card to anyone looking to take their financial control and rewards potential to the next level.
Dec 30, 2013
Photo of Nicole B.
4
By:
I have been using my Capital one Platinum Credit Card for several months now, and I love it. This card has become my card of choice to use among the credit cards that I currently own. I had an issue with someone getting my account information and they informed me that the situation was already taken care of when I called the customer support number in regard to the situation. They stated that they took care of the issue for me within a few minutes of the suspicious activity happening. That is fantastic! I can't get that kind of quick response from my own bank! While this card does not more
Dec 27, 2013
Photo of Chris C.
3
By:
It's hard to recommend this card to anyone as there aren't really any perks. I upgraded this card to a points rewards card. If you're going to spend money on a credit card why not make it something that has points or cash back associated with it. I had a card like this for years but never really used it due to the lack of rewards associated with it.
Dec 18, 2013
Photo of Jaime K.
5
By:
This card has been great for me. The Capital One Platinum Prestige card is my go to card. Customer service has always been great. They've called me about suspicious charges that I was totally unaware of at the time. The 0% apr is great and the low interest rate is even better. No rewards, but no annual rate either. Rewards are seriously overrated anyway!
Dec 13, 2013
Photo of Joe V.
5
By:
It has been great using my Capital One Platinum Credit Card. I haven't yet experienced any problems with it and overall its been a very solid card to me. I would definitely recommend it to anyone in search of a credit card.
Dec 11, 2013
Photo of Gerald W.
5
By:
The Capital One Platinum Prestige Credit Card has been of great use to me. It has tons or reward points that you can rack up and use for some really cool prizes. They have also been very useful and quick at replacing my card when I have lost it and even reimbursed me for fraudulent charges.
Dec 5, 2013
Photo of Nick D.
4
By:
I got accepted for Capital One Platinum Prestige Credit Card over a year ago and it's been great so far. They started me at a generous $800. The no Annual fee was a big plus. 24 hour travel assistance and no foreign transaction fees is great for travelers. Starting an online account is simple and quick. Easy access on your smartphones or tablets. Great for transfers or just checking up on account balance. The APR is okay as long as you pay your bills on time there shouldn't be a problem. As a big traveler the card is fantastic. I highly recommend this card.
Dec 3, 2013
Photo of Samantha P.
5
By:
I have had this credit card for awhile now, and it's the main credit card I use in my daily life. The APR is reasonable, and there is no annual fee. I like that they gave me a $1200 credit limit so I can make some bigger purchases. They've always been very friendly with me if I forgot to make a payment on time. Easy online account access from my computer or phone is a plus too. This is my first Platinum credit card, and I enjoy having it.
Nov 24, 2013
Photo of Jeremy M.
5
By:
I use this card all the time and love it ,mainly because how great the customer care is and also how easy it was to set it up.The payment plan is amazing and helps me out with everything i need. I have been using this card for two years now and am nothing but pleased with everything about it and all the services i have received from using this card. I think that more people should use it and that there will always be a great amount of people using it if they keep up with there amazing customer service and rates.
Nov 18, 2013
Photo of Rebecca G.
5
By:
Overall, I feel this is absolutely the best credit card. Although it does not have a rewards program, this card has 0% apr on balance transfers and purchases until February 2015. The interest rate after the introductory period is the lowest I have seen for any credit card. I feel that would save money in the long run, rather than a points reward program. This card also has 24 hour roadside assistance, 24 hour travel assistance and no foreign transaction fees, which is great for someone who travels often.
Nov 13, 2013
Photo of Jester C.
5
By:
Comparatively speaking the Capital One Platinum Prestige Credit Card has some of the most interesting and appealing features. Unlike a number of the current highly rating cards on the market the Platinum Prestige Card does not have a rewards program, but considering the huge savings a cardholder could realize in relation to the monthly interest fee which can be as low as 10.9%, this card could be a money saver in the long run. Take into account there are no annual fees or other charges and the card’s appeal grows even stronger. Then comes the topper. The Capital One Platinum Prestige Credit Card currently is extending 0% interest on all more
Nov 9, 2013
Photo of Mark K.
4
By:
I cannot believe all the hoopla over the points and rewards. I truly believe that in the end you will more than pay for the points and rewards with higher interest rates. I chose the Capital One Platinum Prestige because of the low interest rate and the great introductory offer of 0% on all purchases and balance transfers until February 2015. I qualified for the lowest rate of 10.9%, and received a very generous credit limit. The fact that there is no annual fee is just icing on the cake. I couldn't be happier.
Nov 1, 2013
Photo of Gregory S.
4
By:
I really like the Capital One Platinum Prestige Credit Card. I think it's rightly named "prestige" because it is packed with benefits. For one, you can save a lot of money by transferring higher rate balances which is extremely convenient. Also, you start out with a very low APR so it's actually a good idea to make your bigger purchases when you first get the card. I've always enjoyed the fact that there is no annual fee which not only saves me money but ensures that I do not have an unexpected bill waiting for me every year. Lastly, this card has great fraud protection so you're safe in case more
Oct 29, 2013
Photo of Abby J.
4
By:
I have had this card for the last seven years. It was the first credit card I signed up for. After some research I decided to go with this one. I had limited credit then and it really helped build my credit. Anytime I have had any issues customer service has been great as well. The yearly fee is not outrageous and the APR was not to bad. It has been lowered on my card throughout the years as well. The rewards are also a great feature on the card and they are easy to acquire, The only complaint I think I would have is that my credit limit has more
Oct 27, 2013
Photo of Aaron H.
5
By:
I just left a review, but I am not sure where it went. Anyhow, I have had capital one platinum card for just over a year. I really love how it works. They have really rewarded me for being on time monthly and helped me to build my credit back up, as well as increased my account spending limit every 6 months. I have had little problems with them. I do all my payments online, and I really like how I can manage all three cards on line together. I can view payments due at the same time, as well as what the balances are. It is really convenient. Capital more
Oct 25, 2013
Photo of Amy H.
3
By:
The Capital One Platinum Prestige credit card is a good pick for those that are looking to build up their credit. One big perk is that there isn't an annual fee. Another great advantage is that there is an intro 0% APR offer until February of 2015. From then depending on your credit score the APR can be anywhere from 10.9-18.9%. Remember the APR doesn't really matter as long as you pay your balance in full each month. The biggest disadvantage that I see about this card is that it offers no rewards like many other cards do. For instance The Capital One Quicksilver Cash Rewards card. These cards are more
Oct 22, 2013
Photo of Kate C.
4
By:
I've had this card for years with few issues. I had to get a credit card to build up credit and I picked this one because it had no annual fee and I could pick my own card image. (I chose Vincent Van Gogh's Starry Night!) When I had an issue where someone stole my credit card to check their credit score online (what a weird thing to do with a credit card, btw), they called to let me know what had happened and that my card had been associated with someone in a different state than mine with a different name. They cancelled my card right away and sent more
Oct 18, 2013
Photo of Zeb D.
5
By:
I've had the Capital One Platinum Prestige Credit Card for several years, and I use it for everyday purchases. With a zero percent introductory interest rate and no annual fee the card has been great. Over the years I've always had good experiences with customer service. With prompt payments, and low balances my limit has gone up and up. I have been able to use this card everywhere, and don't even think to look if places will take it. Overall this is a great card. I would highly recommend this card to anyone who is in the market for one. It has been great for me so far.
Oct 18, 2013
Photo of Brian C.
4
By:
The Capital One Platinum Prestige Credit Card is my go to credit card. I refuse to pay an annual fee when I am already paying interest. This card has no fee and I still get a solid interest rate. I also travel abroad often and having no foreign transaction fee saves me a bundle. I also feel confident using my card because I am covered if someone makes fraudulent purchases with my card. I have never had any problems with customer service and while they have a menu like everyone else I can get a real person on the phone. I originally signed up for the account because of the more
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Dec 5, 2013
Photo of Valeri G.
By: Valeri Gamble
I just applied for a credit card. The system took so long processing so I hit the refresh key and it took me to the beginning screen. Has my application gone through.
Dec 6, 2013
Photo of Card H.
Card Hub
Your best bet is to call the company at 1-800-695-5500 and ask them if they have received your application.
Editor's Pick

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Last updated on: Aug 26th, 2014 at 12:19 EDT