Capital One® Classic Platinum Visa Reviews: Is It Worth It? (2024)Reviews, rates, fees, and customer service info for The Capital One® Classic Platinum Visa. Compare to other cards and apply online in secondsJohn KiernanWalletHub0% intro APR on purchasesLow membership feesLow regular APRNo foreign feeNo rewards
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
We're sorry, but the Capital One® Classic Platinum Visa may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer.
Capital One® Classic Platinum Visa has a rating of 3.0/5 according to our proprietary credit card rating system. This rating reflects how appealing Capital One® Classic Platinum Visa's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Improve Credit'. To break it down further, Capital One® Classic Platinum Visa earned a score of 3.0/5 for Fees, 0.0/5 for Rewards, 2.5/5 for Cost, 4.2/5 for APR, and 4.4/5 for User Reviews.
WalletHub Rating Breakdown
User Reviews
4.4/5
80 reviewsRead and write reviews
Market Comparison
Market Comparison
2.9
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit” for this card.
Fees
3.0
Rewards
0.0
Cost
2.5
APR
4.2
Other Features
5.0
2.9/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Fair Credit, Limited History, No Credit
Annual Fee
$19
APR on Purchases
0% intro APR for 0 months, 13.15% (V) APR after that
Balance Transfer
APR: 13.15% (V)
Balance Transfer Fee:$0
Capital One® Classic Platinum Visa's Additional Info
Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One Saving ZoneSM on Yahoo! Shopping
Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance
Can't find what you are looking for? Submit your question about Capital One® Classic Platinum Visa to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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Capital One® Classic Platinum Visa is related to the following categories:
Share your insights and review for the Capital One® Classic Platinum Visa
5
68%
4
15%
3
8%
2
5%
1
5%
4.3
40 reviews
40 reviews
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Denise @faithfuldh
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1 Star Rating
Verified Customer
For more than 21 years, I've been a Capital One customer, but my experience has been less than stellar. Despite maintaining an excellent payment history and credit score, increasing my credit limit has proven challenging. My card holds the lowest limit compared to my others. Even when I added my husband to the account, he received a higher limit and better incentives.
The constant justification for not raising my limit revolves around not utilizing the entire available credit. This is frustrating, especially as I prefer a higher limit for my frequent travel needs, particularly for mission trips where the current limit falls short. Recently, I missed a payment due to an issue with my automatic payment, a rare occurrence after more than 20 years of flawless payments. Capital One not only penalized me by decreasing my limit by over $500 but did so with an already meager credit limit of less than $3000, despite my lengthy customer history. Requests for a credit limit increase have yielded no positive results.
I applied for another Capital One card with rewards, a gesture offered to my husband as a thank-you for his loyalty. Despite having over 20 years of history with the company, I never received such privileges, which is perplexing. It's frustrating that, despite my excellent credit, securing a decent credit limit with Capital One remains elusive. If the judgment is based on my preference to avoid loans, it's disheartening. Overall, these experiences have left me unimpressed, and I've actively steered clear of Capital One cards.
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Katherine @katherineg_28
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5 Star Rating
Verified Customer
Excellent card, but wish less APR and increase the limit on card. $500 is too little for me, but I am planning to close the card. I opened the card about 2 years ago or so, but there is no increase yet. I requested twice, and they said is too new, and they said too many inquiries.
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Marcia @marciataylor1957
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5 Star Rating
Verified Customer
It had a great cash back introductory offer I think it was $400 and I use it to fix my car once and it was amazing I saved a whole bunch of money on that car repair
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DAVID @davidrcooksey
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5 Star Rating
Verified Customer
EXCELLENT CREDIT CARD
GREAT CUSTOMER SERVICE
REPORTS TO ALL 3 CREDIT BUREAUS ON TIME
ONE IF THE BEST CARDS ON THE MARKET
BUILDS YOUR CREDIT IF YOU HAVE A LOW SCORE
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Robin L Kalil @robincvt2b
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5 Star Rating
Verified Customer
Capital One has been an excellent company that has helped my credit. It also allows me to live better financially. I am comfortable with all my credit at Capital One.
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HERBERT D Johnson Jr @herbertj3
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4 Star Rating
Verified Customer
This was a great card that approved me in 2019. I used the $300 limit over and over and made payments on time. I ask for a limit increase and they say I haven’t used my card or purchased any large items???? I wonder why I am asking for a limit increase? Anyway, Thanks Discover for a $2500 limit!
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Naresh @Airoland2020
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5 Star Rating
Verified Customer
Easy approval process, automatic credit limit increases periodically. Easy access to customer service. Reports to all credit bureaus.
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Vertina @wmsjt5864
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5 Star Rating
Verified Customer
I’m building credit and Capital One always gives me great tips on how to continually improve my credit score.Thanks Capital One!!!
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Anna F @annafinn64
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5 Star Rating
Verified Customer
Thank you for capital platinum card ..Great understand and patience's and when having problem on vacation they really come thru .They extended my credit when I was in bind
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Richard @richardd_156
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5 Star Rating
Verified Customer
I've been doing business with Cap, One for 8+ years they're always ready to help with any problems, and they have done that. Any concerns I've had, have always been addressed immediately. You can't ask for anything more. I'll be with them for quite some time.
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Related Credit Card Categories
Capital One® Classic Platinum Visa is related to the following categories: