Capital One® Platinum Credit Card
Fair, Limited History
- ANNUAL FEE $0 for 1st yr, $19 after
Capital One® Platinum Credit Card’s Additional Info
- MAX LATE FEE $35
- MAX PENALTY APR None
- GRACE PERIOD 25 days
- ONLINE RESPONSE No
RATE 24.9% (V)
FEE 3% (min $10)
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
Capital One® Platinum Credit Card Reviews
Capital One's website and customer service are excellent, and I've always had a pleasant experience whenever I needed help. However, I do have to say that their cash advance policy is somewhat byzantine. I used Western Union for the first time last year to send cash to a foreign country. Even though I paid my monthly balance in full and on time, as I've always done, I was charged a cash advance fee. When I called, even the customer service rep wasn't able to figure out why I was charged a fee. They refunded the fee, but I was charged another fee the next month! This was refunded as well, but considering the effort involved, I simply decided to not use credit cards for Western Union anymore. It may not just be this card in particular; I wouldn't be surprised if all credit cards use cash advance fees to advantage of their customers.… more
What's bad about Capital one, is low credit, high APR, high service fee and no rewards. Chase Freedom card has more benefits here.… more
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Last updated on: Mar 20th, 2015 at 5:57 EDT