Capital One Platinum Credit Card Review
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The Capital One Platinum Credit Card is designed for those with limited credit or fair credit (FICO score of about 580 to 669). The card reports to all three credit bureaus, so with responsible use Capital One will consider you for a higher credit limit after just six months. There’s no annual fee, and there are no foreign transaction fees. On other hand, you won’t earn any rewards with this card and there’s no welcome offer. We dive into the details and your approval odds in this review.
Our Rating
4.4/5.0
Welcome Offer
No annual or hidden fees.
Annual Fee
$0
0% on Purchases
N/A
Reward Rate
None
0% on Balance Transfers
N/A
Welcome Offer
N/A
Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
| Benefits | 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 29.99% (V) APR |
What Credit Score Is Required to Get the Capital One Platinum Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 610
Average Approved Credit Score: 630
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 03/10/2022 | Experian | ||
| Approved | 04/27/2022 | Not Provided |
Pros & Cons
- No annual fee
- No welcome bonus
- No rewards
- High APR
What Are the Best Alternatives?
Petal® 1 "No Annual Fee" Visa® Credit Card
Rating
4.5
Rewards Range
None
Annual Fee
$0
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Rating
4.6
Rewards Range
1% - 10%
Annual Fee
$0
Capital One QuicksilverOne Cash Rewards Credit Card
Rating
4.4
Rewards Range
1.5%
Annual Fee
$39