| Rewards | None |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 28.99% (APR is subject to change) |
| Cash Advance Fee | Either 5% of the amount of each cash advance or $5 minimum, whichever is greater |
| Late Payment Fee | Up to $40 |
| Purchases APR | 28.99% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Capital One Platinum Credit Card is best known as a no-frills, no-annual-fee card designed to help people build or rebuild credit. There’s no cash back, no travel perks, and no signup bonus — just a simple line of credit with relatively easy approval.
Most users say they like how straightforward the card is. Many reviewers mention that approval is easier than with rewards cards, the $0 annual fee makes it low risk to keep long term, and Capital One’s app and customer support are solid. Cardholders also appreciate being considered for a credit limit increase after several months of on-time payments.
On the downside, users often complain about the high APR, especially if they carry a balance. Others find it disappointing that there are no rewards at all, making it feel like a temporary card rather than a keeper.
Personally, I think this card makes sense if your main goal is credit building, not earning perks. It’s worth applying for if you’re starting out or repairing credit — but once your score improves, upgrading to a rewards card is the smart next move.
RATE THIS CREDIT CARD
Please enter a title of your review.
Please enter a title of your review.
Please write some review.
Bro sorry, but some error occurred :O
J
Great starter card for fair credit
No annual fee and a simple path to build credit I got automatic credit line reviews every 6 months. Credit wise helps me track my score, and the card is really straightforward to use
S
Great Card for building credit limit!
It's been a great experience so far. The approval process was quick, no annual fee, and after a few months of responsible use, I even got a credit limit increase.
