8
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGQuarterly Rotating: No
Benefits & Protections (Detailed) 8 Total
PENDINGConvenience 1
Capital One Mobile App
Mobile accessManage your account on the go, pay bills, view transactions, and more through the Capital One Mobile app.
Financial 1
No Annual Fee
$0You won't pay an annual fee for owning this credit card.
Financial Growth 1
Opportunity to Build Credit
Credit buildingThis card is designed to help you build your credit history with responsible use.
Financial Management 3
CreditWise® from Capital One®
Free accessGet unlimited access to your credit score and tools to help you monitor your credit profile.
Flexible Payment Due Date
CustomizableChoose a monthly payment due date that works best for your schedule.
Autopay
ConvenienceSet up automatic payments to help ensure you never miss a payment.
Security 2
$0 Fraud Liability
$0 liabilityYou are not responsible for unauthorized charges if your card is lost or stolen.
Account Alerts
Real-time notificationsReceive alerts via email or text for unusual activity, payment reminders, and more.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transferred balance |
| Cash Advance: | Either $5 or 3% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Capital One Platinum card typically does not offer a sign-up bonus. Eligibility generally requires fair/average credit (credit scores typically in the 580-669 range) or individuals actively building credit. Capital One has strict application rules, often limiting new card approvals to one every six months across their portfolio. Applicants should avoid applying for multiple Capital One cards in quick succession. Capital One pulls from all three major credit bureaus (Experian, Equifax, TransUnion). While premium cards like Venture X have a 'once per lifetime' bonus restriction, this specific rule does not apply to the Platinum card due to its lack of a sign-up bonus.
Max Cards Per Issuer: 2
Min Spend Interval: N/A - No sign-up bonus
Cliff Effect Rules: Capital One is known for 'bucketing' cards, particularly for applicants with lower initial credit scores. This can result in a permanently low credit limit, even if the cardholder's credit score improves significantly over time. General Capital One application rules include a limit of one new card approval every six months. The 'once per lifetime' bonus restriction applies to premium cards like Venture X, but not to the Platinum card itself.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.7 / 5.0
Top Positive:
Easy to get approved for fair credit; Helped build credit history; No annual fee.
Top Negative:
No rewards program; High APR; Low initial credit limit.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Capital One Secured Mastercard
- Discover it Secured Credit Card
Card Value Score: 78.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0