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  • Capital One® Platinum Credit Card

  • This card is best for consumers with average credit looking for a Plain Jane card to use to further build credit that never carry a balance.
 
  • Intro APR
  • N/A
  • Regular APR
  • 24.90% Variable
  • Intro APR Period
  • N/A
  • Credit Score
  • Credit Score
    Average
  • Card Category
 
Credit Type
  Required Score
Excellent Credit
  750 — 850
Good Credit
  690 — 749
Fair Credit
  640 — 689
Poor Credit
  Poor
It is ok to estimate your credit. If you do not know your credit score you can get your free credit score instantly here
Curtis Arnold

Credit Card Review

 by Card Expert Curtis Arnold
There are no balance transfer fees. This card is for folks with average credit. Use Image Card to upload one of your favorite pictures or choose from one of Capital One for your own unique card. There is a 24-hour travel and emergency assistance if your credit card is lost or stolen, as well as 24 hour roadside assistance if your car breaks down or you get locked out. There is also auto rental insurance. Downside: purchase APR is high. Balance transfer APR is the same as purchase APR with no introductory rate.
 

Capital One® Platinum Credit Card Details

Card Issued By:
Capital One
General Correspondence Address:
PO Box 26625 Richmond VA 23261
Card Type:
MasterCard
Card Class:
Platinum
Card Category:
States Available In:
ALL
Minimum Credit Limit:
$300 min.
Maximum Credit Limit:
Credit Limit Notes:

Credit Card Rate Information

 
Purchase
Balance Transfer
Cash Advance
Index:
Prime
Prime
Prime
Margin:
21.65
21.65
21.65
Standard APR:
24.90% Variable
24.90% Variable
24.90% Variable
Standard APR Floor:
None
None
None
Introductory Rate:
N/A
N/A
N/A
Introductory Period:
N/A
None
None
 
Finance Calculation Method:
Average Daily Balance
Purchase Grace Period:
25 days
Default/Penalty APR:
29.40% Variable
Default/Penalty Margin:
26.15
Default/Penalty APR Floor:
None
Maximum Default APR:
29.40%
Penalty/Default Trigger:
Penalty APR may be applied to your account if you make a late payment

Credit Card Fee Information

Annual Fee:
$19 max. $0 intro for first year; $19 after that
Foreign Transaction Fee:
Late Fee:
Up to $35 max.
Over-the-limit Fee:
Up to $29 max.. You will only be charged an over-the-credit-limit fee if you choose to accept this option.
Balance Transfer Fee:
None
Cash Advance Fee:
3% ($10 min. ). whichever is greater
Rebates/Notes
Rebate Description:
N/A
Special Notes:
 
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