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Capital One® Platinum Credit Card

capital one standard platinum Sponsored Card
Required Credit Score:
Fair, Limited History
3.5 1,186 reviews   Write a Review!
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Capital One® Platinum Credit Card’s Rewards

This card does not offer rewards.

Capital One® Platinum Credit Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Not Offered
Regular Rate
24.9% (V)
  • ANNUAL FEE $0 for 1st yr, $19 after
  • BALANCE TRANSFER FEE None

Capital One® Platinum Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   None
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 24.9% (V)
  • CASH ADVANCE FEE 3% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    None
  • SMART CHIP   No
  • Start with no 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.
  • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker
Apply Now
at Capital One’s
secure site
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Capital One® Platinum Credit Card Reviews

 
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1 2 3 4 5
 
3.5
Overall Rating: 3.5 / 5
Total Ratings: 1186
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Dec 11, 2014
Photo of Christina G.
3
By:
Dec 11, 2014
The Capital One Platinum Credit Card has some similar terms and conditions to other cards I use and have used, such as no annual fee the first year and only $19 years after. This is definitely a positive. I also notice there are similar max late fees, grace periods, and cash advance fees to other cards I have. I like the benefit of getting access to a higher credit line after making timely payments in the first five months of having the card. However, overall this card seems pretty standard and lacking in especially exciting or different offers such as cash back or other rewards.
Dec 4, 2014
Photo of Lincoln S.
5
By:
Dec 4, 2014
This was my second credit card. I had a low to average credit score at the time I applied. I did get it and with a decent limit, $2000. And after 6 months of on time payments, I received an automatic limit increase of $500. Thanks, Capital One.
Dec 4, 2014
Photo of Matt W.
4
By:
Dec 4, 2014
I think that this is a great credit card. It works great for people with a low to average credit score. This card has great features like having a website to go to for information about your available credit or to make a payment. Also you will be able to check your credit rating through capitol one's website. This is a great card to rebuild credit. Also this I have never had any bad results when using customer service.
Nov 28, 2014
Photo of Paul G.
3
By:
Nov 28, 2014
This was the first legitimate credit card I was approved for shortly after opening my first "secured" credit card to build some amount of credit. I'm pretty certain you do need SOME credit history, but my understanding is that this particular card is very easy to get. The interest rate is large, but not too bad for someone who is primarily interested in building their credit. The website is convenient enough, and they gave a few different options for card design (if you're into that stuff). I called them once about a confusion with my balance and they seemed to have good customer service, the wait on the phone was more
Nov 24, 2014
Photo of Irina K.
3
By:
Nov 24, 2014
Capital One Platinum card was the first card i've got (I didn't have a credit history yet). What's really good about it is easy refund process: once you report a fraud, it takes them 2-3 days to return money back on your account. Couple times I notices unauthorized transactions made with my CC from different countries I've never been before, so I've reported those transaction, my card was immediately disabled and money were returned back to my account in several days. Another nice option is putting custom image on your credit card - it makes the card so personalized. I also like how Capital One represent the break down by more
Nov 18, 2014
Photo of Nicole B.
4
By:
Nov 18, 2014
I have had my Capital One Platinum Credit Card for almost four years now. Capital One's customer service team has always treated me with respect and courtesy. I had to miss a payment once because of a situation that was out of my control, and their representative allowed me to make the payment late without any fees or issues simply because I had been making my payments regularly up until that. My only dislike is the interest rate, but what else can I expect while I'm building my credit? I'll continue to use Capital One for years to come.
Nov 6, 2014
Photo of Laurie L.
5
By:
Nov 6, 2014
When I received my monthly statement in September, I noticed that there were two charges made in Arizona at a Target store. I live in PA, and did not make these purchases. The one purchase was for around $25, and the other purchase was for over $275. I was frantic when I was these fraudulent purchases on my card, and I didn't know how hard it was going to be to have my account fixed. Luckily, when I called Capital One and told them about the fraudulent purchases, they told me not to worry, and took care of it immediately for me. They took all the information over the phone, more
Nov 1, 2014
Photo of Jerry L.
4
By:
Nov 1, 2014
I use this one all the time with no problems. Would recommend it!
Oct 24, 2014
Photo of Zee R.
5
By:
Oct 24, 2014
I initially got this card to have some back up cash for emergencies, and also to use it to build my credit, I've only been a member for about 3 months but I can say the customer service is amazing. I have had to call them numerous times for disputes and refunds and they have always been 100% patient and professional. I remember I bought a baby shower gift that was about $100.00, but the company billed me twice for it, the capital one representative was nice enough to call the company, and verify that there was a duplicate charge, and she removed it on the spot (instead of me more
Oct 23, 2014
Photo of Trista W.
5
By:
Oct 23, 2014
I have had this card for a number of years now and it's been great. While I don't get rewards like some other cards I do get low interest rates and am able to personalize the picture on my card, at the moment it has our family picture on it. I also enjoy the fact that I can make payments, view my balance, and just have an overall access to my account online or from my mobile device. This feature came in handy last year at the beach when I had to pay my bill while on vacation. I also like that there are no hidden fees like monthly fees more
Oct 23, 2014
Photo of Ricky H.
4
By:
Oct 23, 2014
This was my first credit card. I have a low credit limit, and the interest is not the lowest I can find. Keeping on to this card for several years has allowed me to grow my credit rating and history, however. I only ever had to pay interest a couple of times, once when I was low on cash and once when I forgot to pay it off before the due date. The card does not offer anything amazing, but you can use it as a great tool to build up your credit. Stick to this for a couple years if you're just starting out on your own or recovering more
Oct 13, 2014
Photo of Allison D.
5
By:
Oct 13, 2014
With identity fraud running so rampant, it’s a great idea to have a credit card that has your image on it. It can be a little hard though when you give your credit card to your daughter or son and ask them to pay for a meal instead of going yourself. That’s just one little draw back, but that doesn’t even compare to how safe you will feel and protected you will feel when using your credit card. It also helps having your photo on your credit card when you go to stores that ask for identification when you want to use your credit card. Credit cards with your image more
Oct 10, 2014
Photo of Joao C.
5
By:
Oct 10, 2014
With the Capital One® Platinum Credit Card it has a lot of benefits and cons. One of the biggest con I see is the annual fee of 19.00. Even though the first year is free and after that is 19.00. I know there are a lot of credit cards where they offer no annual fee at all. However I must say I have this credit card for a year now, I started with a 1000.00 limit and in 5 months after paying every month on time it jumped to 4500.00 so I am pretty happy with that. So the 19.00 annual fee for me now is not a big deal more
Sep 24, 2014
Photo of Edward C.
3
By:
Sep 24, 2014
The Capital One Platinum Credit Card was the first credit card I was able to get approved for. My score was 580 at the time and no one else would approve me with me having to get a secured credit card. This card is really good for beginners to teach the ropes of having and using a credit card responsibly. My credit card limit was only $300 but I managed to never spend more than half. Mainly because of the very high fees that come with this card and is the only negative side about the card. If you are just starting out , I highly recommend getting this card more
Sep 12, 2014
Photo of Timothy P.
5
By:
Sep 12, 2014
This is a great card for first timers. Me and my wife have this credit card and we have been very happy with it. The limit on the card is low so that we can't get into too much overall trouble, and we have been making payments on time every time with no worries. With the low limits on the card when the interest rate kicks in we still don't have so much on our plate that we can't pay it off. This helps new credit card owners who want to learn how to be responsible with there credit after a bad history.
Aug 16, 2014
Photo of Nick H.
3
By:
Aug 16, 2014
I have had this card for a few months now, and so far I have no complaints... and even though I have a low income, I still received a pretty good credit limit ($1000).
Aug 12, 2014
Photo of Franky F.
5
By:
Aug 12, 2014
I've had this card for almost a year and half now and I've had no qualms about it the whole time. I mostly use it for when I make some out of town expenses because of work. With the interest rate of $19, it isn't that much compared to two of my other credit cards. My monthly payment is also very reasonable and I am able to pay it on time. I had a problem with it once regarding an identity theft and their customer service was very prompt in updating me about the transaction and was able to resolve the problem within a day. Compared to the other two more
Jul 24, 2014
Photo of TaQuanyia S.
3
By:
Jul 24, 2014
I liked this card initially. I always paid my balance on time and the interest rate was good because this was my first credit card. The actual card is very great especially for those trying to establish more credit history. The reason why my rating is 3 stars is because of the experience with capital one customer service. I understand the need to outsource some business but sometimes it is helpful when I am able to speak with a representative's native language is English. It makes handling problems a lot easier.
Jul 22, 2014
Photo of Alyssa M.
2
By:
Jul 22, 2014
I do not like that there is a $19 annual fee after the first year and there are no rewards. There are many other cards without an annual fee that do offer rewards.
Jul 18, 2014
Photo of Amanda S.
5
By:
Jul 18, 2014
I have had my capital one platinum visa for almost 2 years now. It was my first credit card, and I could not be more pleased. With no annual fee, and low interest rates, it has made my experience as a card holder thoroughly enjoyable. After one year my credit limit was increased because I had just good standing my first year. That was a treat! Also, you can design your own card, using one of their designs or a picture of your own...for free! How awesome to have that personalization on something you use so often! Definitely happy with my choice of using capital one as my credit card!
Aug 25, 2014
Photo of Paul R.
Paul Randeau
Aug 25, 2014
I want to get this card for emergencys and am very nervous about it because ive never had a credit card will I be charged monthly even if im not using it and dont owe money or only if ive used it and what is the $19 annual fee after first year is that a monthly $19 bill or just a yearly (annual) charge help im so confused lol
Sep 2, 2014
Photo of Marty T.
Marty Tilert
Sep 2, 2014
I have the same card and no you won't be charged monthly if you don't use it, it's just a yearly $19 fee, most cards are $39 so it's not too bad for a starter credit card but there are other free ones that exist as well if you look around more.
Jul 14, 2014
Photo of Christine B.
5
By:
Jul 14, 2014
I love my Capital One card. The payments are very low and they are very generous with credit line increases. Their customer service is awesome as well! They have helped boost my credit score quickly.
Jul 9, 2014
Photo of Corey B.
4
By:
Jul 9, 2014
I like my Capital One card because the monthly payment is reasonable. I have been given credit limit increases twice since I have owned the card. I was trying to reestablish my credit and this card has helped me do that. The website is easy to use and that's a plus for me.
Jun 30, 2014
Photo of Dakota W.
4
By:
Jun 30, 2014
The Capital One Platinum card is a great option for folks looking to increase their credit score. Interest rates are higher than most cards, however this comes with several benefits. For example, paying bills on time for six months strait will result in Capital One increasing your credit score. Each monthly statement also includes your credit score, and the website is excellent. All in all this a great card for those looking to build credit.
Jun 24, 2014
Photo of Alyssa H.
4
By:
Jun 24, 2014
I got this card a couple of years ago and I have really enjoyed it. The interest rates are high but my credit isn't the best so this card works for me. I use this card every month of different purchases. I usually try to use the card for gas and then just pay it off at the end of the month. I would recommend this to anyone who is looking for a first time credit card.
Jun 13, 2014
Photo of Jay W.
4
By:
Jun 13, 2014
I was rebuilding my credit and this card is perfect for that purpose. They will automatically increase your line of credit if you successfully pay your bill on time for 6 months, another good thing that helps increase your credit score if you use the card properly. There are better deals out there for those with higher credit scores, but to those rebuilding this is a solid option.
Jun 4, 2014
Photo of Wycliffe O.
4
By:
Jun 4, 2014
I received an offer in the mail from Capital One. I put it off for so long since I feared the interest rates as well as missing any payment. I am so glad and grateful since Capital One Platinum credit card helped improve my credit score and saved me in times of dire need since I was in college. I strongly believe that they conduct their business in the best way possible as far as customer service. I really like the layout and usability of the Capital One website. I love their various card designs too.
Jun 4, 2014
Photo of Coupon C.
2
By:
Jun 4, 2014
My biggest problem with this card is the lack of any kind of rewards program. Although there is no annual fee for the first year, this would just create the incentive to use the card for a year and cancel it afterward. It seems even more ridiculous to charge an annual fee for mid-range credit score users and STILL not offer any rewards program. The interest rate also seems fairly high.
May 23, 2014
Photo of Treva F.
5
By:
May 23, 2014
I love this card and was extremely thankful I received it, I didn't think I would. It's helped me with my credit score and I loved that for the first year I wasn't charged interest on my purchases. Also, after a few months of making on time payments, they increased my credit limit just like they said they would. A bonus for me, well two bonuses, is the free credit score they give you and the fact that you can upload your own image for the card, I've always loved being able to do that with just my checkcard so it was nice to be able to do it with more
May 22, 2014
Photo of Aaron B.
1
By:
May 22, 2014
The Capital One Platinum Credit Card is overrated in my opinion. Yes there is no annual fee for the first year, but that is only incentive to have this card for one year and cancel after that. There are plenty of credit cards through other companies, Chase for example, that offer cards similar to this without a yearly fee and a little bit lower of an interest rate. I personally had two Capital one cards at one point, both with a yearly fee of $39, both of which got cancelled because of that fact. Another downside to this card is that it doesn't offer any sort of rewards program. Not more
May 22, 2014
Photo of Kyle R.
4
By:
May 22, 2014
The Capital One Platinum Card is a great entry card that has some decent features. For starters there is a no annual fee for the first year, that way you can hit the ground running. I also really like the fact that you can choose when you monthly payment is due, it really helps so I can position it around other bills. The only real downside to this card is that there is not rewards programs as the other reviewers have said but to be honest it's not that much of a deal breaker.
May 20, 2014
Photo of Tony S.
3
By:
May 20, 2014
The Capital One Platinum Credit Card offers decent features, although nothing outstanding. The no fee first year is nice, although the interest rate is high, especially given the very low federal rates we currently have. It would also be nice if it offered a rewards program. That being said, it is good that they offer increased limits as time progresses and that there are multiple ways to pay your bill. Being able to set your own due date is also a handy feature.
May 17, 2014
Photo of Jamie S.
4
By:
May 17, 2014
Great customer service. Higher interest. Low annual fee after the first year. My husband and I had two cards to build credit after bankruptcy. Great increase for first year. After first year, was able to get a no-fee card from capital one. They were wonderful in offering this change as our credit scores increased.
May 13, 2014
Photo of Carolina T.
4
By:
May 13, 2014
This card was great when I first started out and was looking to build my credit, but after a few years an interest rate of 24% and no rewards I only keep it because they did increase my credit limit and its good to have in case of emergencies. It's a great card to start out with as its one of the few unsecured cards out there that will take people with no credit history as long as you pay it off before the interest accrues.
May 9, 2014
Photo of Liz C.
4
By:
May 9, 2014
I've never had a credit card before but, so far, I have nothing negative to say about this one. They start you off with a low credit limit of $300 and promise to increase it after five on time payments. For someone with poor credit looking to build their credit, it is a good option. The only down sides are the interest rate which is 22.9%. That's lower than some cards, I suppose, and it doesn't have an annual fee. There aren't any rewards programs with this card. I do love that they have easily accessible mobile banking and that I didn't have to wait too long for the card more
Apr 14, 2014
Photo of Robert M.
3
By:
Apr 14, 2014
The Capital One Platinum Credit Card is... it's okay. The card doesn't offer rewards which is a big letdown for a credit card. Also the APR% is 24%, going up to 29% when late. Come on, at least tack some rewards on there for us or else people are just going to not use the Capital One Platinum Credit Card at all, and choose another card. There aren't too many other good bonuses with this card, but I can say that Capital One does keep my information safe and sound, all the time through everything that's been going on with Target and Heartbleed.
Mar 11, 2014
Photo of Anthony A.
4
By:
Mar 11, 2014
I used this card to pay down some of my debt. I liked that I could pick my due date, that helps when your trying to make sure everything gets paid in a timely fashion. I like that I got to personalize my card online, my daughter loves the design. The customer service has been great whenever I have called it, and the app is handy. An overall good card that I would recommend, my only gripe is the annual fee after the first year. I've never been a fan of those.
Feb 17, 2014
Photo of Aleja S.
4
By:
Feb 17, 2014
I really like this credit card! Now, I know that it doesn't offer any rewards and it doesn't really have "impressive" features, but it offers me all I need in a credit card! I would absolutely recommend it as a first or starting credit card. It offers a 25 day grace period which is slightly longer than most cards and you can personalize it online for free with your favorite picture.
Mar 12, 2014
Photo of Jodi S.
Jodi Showers
Mar 12, 2014
I have had positive experiences with this card as well. I love how I can personalize it and make it really feel like it's mine.
Feb 17, 2014
Photo of Justin E.
4
By:
Feb 17, 2014
I have had my Capital 1 Platinum card for a couple of years, and it's a pretty decent card for the most part. The interest rate is a little higher than some of my other credit cards, but it wasn't as hard to get either. The customer service and convenience this card offers is very good. This is a great card for someone who's trying to establish credit.
Feb 12, 2014
Photo of Candida K.
5
By:
Feb 12, 2014
I've had the Capital One Platinum card for years. I had no trouble adding my husband to the account after we were married. I've had the card for so long, the yearly fee back then was $25. I used to call them every year to ask for the fee to be waived, which they did do. After several years of doing that, one customer service person finally said they would attach a permanent note to my account, waiving the fee indefinitely. Nice benefit! I've never had the card be denied anywhere. And...just recently, I uploaded a favorite picture of my dog to be put on the card! That's a real more
Jan 16, 2014
Photo of Sarah M.
4
By:
Jan 16, 2014
The Capital One Platinum card is hit and miss with me but for the most part it's a good card.

I appreciate the fact that you can get this card even if your credit is a little rough around the edges. It's pretty customer friendly with roadside assistance, insurance etc.

I wish it offered more in the way of rewards, and the interest rate is really high considering the utter lack of frills. But if you're just looking for a basic credit card, you could do a lot worse. If you would like a similar deal with more rewards, the Capital One Quicksilver Rewards card has similar rates but also offers more
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Oct 7, 2014
Photo of Lyna N.
By:
Oct 7, 2014
I have just noticed I lost my credit card. What should I do next?"
Nov 11, 2014
Photo of Card H.
Nov 11, 2014
You can call Capital One’s customer service at 1-800-955-7070 and report that you have lost your credit card.
Sep 13, 2014
Photo of Brandon P.
By:
Sep 13, 2014
I just got approved for a capital one platinum card, but I need an additional card for my wife. How do I get her one?
Sep 29, 2014
Photo of Card H.
Sep 29, 2014
There are two options: a) You can add your wife to your account as an authorized user. You can also read this >> http://www.cardhub.com/edu/authorized-user/ b) Your wife has to apply for a credit card separately.
Sep 15, 2012
Photo of Holliday L.
By:
Sep 15, 2012
I sent in my application and it said I got approved and they'll send my platinum card in the mail! But I took too long to do my account membership, so I sent it again and it said I have to wait for approval! :( So what do I do?
Jul 22, 2014
Photo of Thaddeus S.
Jul 22, 2014
wait for approval
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Last updated on: Dec 12th, 2014 at 8:19 EST