Capital One Platinum Credit Card
Basic Information
Program ID: platinum
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Platinum
Data Complete: Yes
Created: 01/07/2026 11:53
Last Scraped: 01/15/2026 06:40
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The Capital One Platinum card typically does not offer a traditional sign-up bonus (cash, points, or miles). Its primary benefit is focused on credit building.
Rewards Program
Reward Type: None
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: This card does not earn rewards. It is designed for building credit.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - This card does not earn rewards.
Transfer Partners: N/A - This card does not earn rewards.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 600 - 680
Approval Odds Category: Fair
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Capital One Platinum card typically does not offer a sign-up bonus. Eligibility generally requires fair to average credit (FICO scores typically 630-689). Applicants should have no recent bankruptcies or defaults. Capital One is sensitive to recent credit inquiries and new account openings. They generally approve one new Capital One card every six months and often perform a 'triple pull' from all three major credit bureaus (Experian, Equifax, TransUnion) during the application process.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: N/A - No sign-up bonus offered
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Capital One accounts, rapid accumulation of new credit accounts/inquiries, sudden drastic changes in spending patterns, late or bounced payments, suspected credit cycling.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent for building credit, no annual fee, easy approval for fair credit, reports to all major credit bureaus.
Top Negative Feedback:
No rewards program, high APR, initial low credit limit, limited benefits compared to premium cards.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Capital One SavorOne Cash Rewards Credit Card
- Discover it Secured Credit Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 24 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0