Capital One Platinum Credit Card

Capital One Platinum Credit Card

on Capital One's website

Capital One Platinum Credit Card

Capital One Platinum Credit Card

Capital One Platinum Credit Card

on Capital One's website


Card details

  • No annual or hidden fees. See if you're approved in seconds

  • Be automatically considered for a higher credit line in as little as 6 months

  • Help build your credit through responsible use of a card like this

  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges

  • Monitor your credit score with CreditWise from Capital One. It's free for everyone

  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app

  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set

  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you

Rates, fees & offers

  • Annual fee


  • Rewards rate


  • Bonus offer


  • Intro APR


  • Ongoing APR

    APR: 29.74% Variable APR

    Cash Advance APR: 29.74%, Variable

  • Balance transfer fee

    $0 at this Transfer APR

  • Foreign transaction fee


Recommended credit score

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NerdWallet review

By Melissa Lambarena

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details


Editor's overall rating

Pros and cons

  • Qualify with average credit

  • No annual fee

  • No foreign transaction fee

  • High APR

  • No rewards

The Capital One Platinum Credit Card is an excellent option if your goal is to build credit or raise your credit limit.

The $0-annual-fee card reports to all three major credit bureaus, and it charges no foreign transaction fees and no penalty APR for late payments. A key feature is that it gives you the opportunity for an increased credit limit after you make your first five monthly payments on time.

The card doesn’t earn rewards, and its ongoing APR is The ongoing APR is 29.74% Variable APR, so it’s not ideal to carry a balance. It’s better used as a tool to improve your credit. For more information, see NerdWallet’s full review.