Capital One Platinum Credit Card
Capital One · MASTERCARD
The Capital One Platinum Credit Card is a credit card from Capital One on the Mastercard network. It has an annual fee of $0.
Key facts
- Annual fee
- $0
- Purchase APR
- 28.99% variable APR
- Credit needed
- Fair
- Network
- MASTERCARD
Benefits and perks
- No annual or hidden fees. See if you’re approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
- Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
- Top rated mobile app
Rates and fees
Annual membership fee: $0. Purchase APR: 28.99% variable APR, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 1 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Capital One Platinum Credit Card
What is the annual fee on the Capital One Platinum Credit Card?
The Capital One Platinum Credit Card has an annual fee of $0.
What credit score do you need for the Capital One Platinum Credit Card?
The Capital One Platinum Credit Card is generally listed for applicants with fair credit. Approval also depends on income and the issuer's own criteria.
Is the Capital One Platinum Credit Card worth it?
The Capital One Platinum Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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