Capital One® Platinum Credit Card Summary
24-hour travel assistance gives you a replacement card and cash advance
$0 intro annual fee for the first year; $19 after that
Monitor your spending with text message alerts
Creditnet's Full Review
Fair credit consumers interested in improving their credit can apply for this average credit option from Capital One.
Capital One® Platinum Credit Card:
- $0 intro annual fee for the first year; $19 after that
- Image Card - personalize your card with an image of your choice
- $0 Fraud Liability if your card is lost or stolen
- Monitor your spending with text message alerts
- 24-hour travel assistance gives you a replacement card and cash advance
- 24-hour roadside assistance
- Extended warranty program
- Travel accident insurance
- Auto rental insurance: Rent a car with your credit card and you can get collision, damage, and loss insurance
- No foreign transaction fees
Creditnet's Expert Rating & Review
We like a credit card for fair credit that's low-maintenance and easy to use. This card from Capital One checks off both of those boxes.
Least Favorite Features:This card is no-frills, but it's potential as a tool for building credit outweigh the fact that there's no rewards program.
Our Final Take:If you're a consumer with fair-to-average or limited credit that's serious about building up their history (and their score), than this simple card from Capital One is an excellent choice to consider. If you'd like a similar offer with cash back opportunities, than check out Capital One® Cash Rewards for Newcomers.
Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.
| Intro APR: | N/A | Credit Required: | fair |
| Intro Period: | N/A | Set Up Fee | $0.00 |
| Ongoing APR: | 24.9% (V) | Annual Fee | $19; waived for first year |
| Penalty APR: | 29.4% |
| Intro APR✝: | N/A |
| Intro Period: | N/A |
| Ongoing APR: | 24.9% (V) |
| Penalty APR: | 29.4% |
| Transfer Fee: | None |
| ✝ Must initiate transfer: | N/A |
| Ongoing APR: | 24.9% (V) |
| Penalty APR: | 29.4% |
| Advance Fee: | 3% of the amount of the cash advance, but not less than $10 |
| Other Rates | |
|---|---|
| Foreign Transaction Fee: |
0.00% |
| Min. Interest Charge: | $0.00 |
| Credit Line | |
| Min: | See Terms |
| Max: | See Terms |
| Penalty Fees | |
| Late Payment: Up to $35 |
|
| Over the Credit Limit: | Up to $29 |
| Returned Payment: | Up to $35 |
