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Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Rates & Fees

Capital One Platinum Credit Card

  • 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
Regular APRAnnual FeeCredit Needed
29.99% (Variable)$0Average, Fair, Limited

Offer Details

Acceptance Criteria
Credit Needed
Average, Fair, Limited
APR Overview
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
29.99% (Variable)
Fees And Charges
Balance Transfer Fee
$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Annual Fee
$0
Rewards
Reward Type
N/A

858 Product Reviews

Amanda
Credit card
1 week ago

I loved having this card. It helped me when I needed it the most.

Jessica
Credit card for capital one
2 weeks ago

They cancelled my card for no reasons I was making my payments and they just one day closed it so I refused to pay it after that people in customer service I have found with my past credit cards get a attitude and just cancel your cards and expect you to still pay them no

Jennifer
My oldest open credit card accout
2 weeks ago

I’ve had the capitol one card nearly 8 years ago. When I stared to fix my credit I have 17 cards now. All of them started around te same limit. However capitol one is the only company that won’t increase my limit because “I don’t use it enough” well I would if you were like all my other cards that have given me a higher limit when I ask. So cards I opened two years ago, I have $12000 limits, all while capital one rejects it every time. It’s ridiculous to me

Britney
Very good for beginners
2 weeks ago

This has helped increase my score

Capital One
I like it
2 weeks ago

Lovely

Jamie H
Love Capital One
3 weeks ago

Capital one has given me a chance to rebuild my credit starting last yr .I've now obtained four Cards wth them &it's allowing me to get closer to my goals &self sufficiency.Thanks Capital One .

Kerri Nix
Activation Denied
3 weeks ago

I received the card but they are making it impossible for me to activate my card. The same documentation supplied to apply is the same as when ones sent in for activation and they will not take it. I can't even use the card. Capital One customer service sucks because you can not understand their broken English.

Jeremiah
Amazing starting card
4 weeks ago

I had a little credit because of college before getting this card but it is amazing. Anything you could need for a starting card is here.

Dimi
Does everything it is intended to do...
1 month ago

If you have a thin file and need someone to trust you with a 300 dollar limit, with no real fees. This card is an excellent stepping stone to build with for a year and then apply for a better card with a higher limit and perks. Use it responsibly and your credit will take leaps and you ds,have patience too, capital one wants to see responsible use for 6 MO ths to a year!

Marcos
Excellent Credit Card
1 month ago

This card been so awesome for me so far i totally recommend it

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Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

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Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.