CardCompareHub

Capital One Platinum Credit Card

VISA No Annual Fee No Foreign Fees

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Capital One Platinum Credit Card

Credit Score

300 680
Limited - Fair
Apply Now On Capital One®'s secure website Terms apply. Approval is not guaranteed.

Annual Fee

$0

Foreign Fee

0%

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

28.99% (Variable)

Rates & fees apply. View the Rates & Fees.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Capital One®.

Capital One Platinum is a credit-building card with no rewards and no welcome bonus — just a no-fee structure, a high APR (irrelevant if you pay in full), and automatic consideration for a credit-line increase after six months of responsible use. Designed for fair-to-average credit, this is the graduation card after a secured card or for a first-time borrower with limited history.

The argument for Platinum over the QuicksilverOne (Capital One's fee-bearing rewards card for the same credit profile) is the absence of a fee. If you can't reliably earn back the QuicksilverOne fee through the flat cash-back rate, Platinum is the better choice. Above that spend level, QuicksilverOne pays more. Either way, the goal is the same: a year or two of clean payment history, then graduate to an unsecured rewards card with better terms.

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
  • Top rated mobile app
Also in: Top Credit Cards 2026 No Annual Fee No Foreign Fees

Capital One Platinum Credit Card

Ready to apply? Visit the issuer's secure site.

Apply Now On Capital One®'s secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.