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

  • Pay no annual fee

  • 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

  • Help strengthen your credit for the future with responsible card use

Rates, fees & offers

  • Annual fee


  • Rewards rate


  • Bonus offer


  • Intro APR


  • Ongoing APR

    APR: 26.99% Variable APR

    Cash Advance APR: 26.99%, Variable

  • Balance transfer fee


  • Foreign transaction fee


Recommended credit score

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NerdWallet review

By Melissa Lambarena

Rating details


Editor's overall rating

Pros and cons

  • Qualify with average credit

  • No annual fee

  • No foreign transaction fee

  • No rewards

  • High APR

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 26.99% 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.

User Reviews

Rating Details

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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