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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

863 Product Reviews

james dula
no increase in credit line
4 days ago

i have had my Capitol One card now way over 6 months an aint never been late on payments.but they keep declining my increase i dont understand that at all.😡

Carlo
Good
1 month ago

Good

Jamie H
Love Capital One
2 months ago

Very good card & customer service support is always helpful in any area .I'm more than grateful that cap 1 has helped me begin a new start on obtaining the credit we all are in need of .Thanks Capital One

Austin
1st time credit card
2 months ago

It’s my first credit card, they only gave me a limit of $300. Which was kind of a slap in the face. But having this card has thought me the consequences of using your card. My credit sucks because of credit utilization. They only want you to use 10% or less on your card limit. So $300 dollars would mean I can only use $30 dollars to keep in good standing with the credit bureau. Crazy if you ask me. But oh well. We live and learn.

Chaina Arden
First Card
3 months ago

Was my first card ever and was grateful to have it and it helped raise my credit score but I lost my job and got behind and they did such a great job working with me I strongly recommend Capital One!

Amanda
Credit card
3 months ago

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

Jessica
Credit card for capital one
3 months 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
3 months 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
3 months ago

This has helped increase my score

Capital One
I like it
3 months ago

Lovely

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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.

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† 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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