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Capital One

Capital One Platinum Credit Card

The Capital One Platinum is a credit-building card, not a rewards card. Its useful pieces are the $0 annual fee, no foreign transaction fees, pre-approval without score impact, and automatic credit line reviews in as little as 6 months. The tradeoff is a high 28.99% variable APR and no rewards, so the card only makes sense if you pay in full and mainly want a path to stronger credit.

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Capital One Platinum Credit Card card art
  • Annual fee
    Free
  • Welcome offer
    No fixed welcome bonus disclosed
    No fixed welcome bonus is disclosed on the captured issuer page or pricing disclosure.
  • Recommended credit
    580-690
    Median 640. See why →
0

Benefits and credits

Travel credits and perks

  • No Foreign Transaction Fees

Lifestyle credits

  • 50% Off Handcrafted Beverages

Purchase and protection benefits

  • $0 Fraud Liability
  • Card Lock
  • Virtual Card Numbers from Eno

credit-building

  • Automatic Credit Line Reviews
  • CreditWise from Capital One

Pricing and fees

Full Pricing and Terms
Purchase APR
28.99%
Foreign tx
None
Penalty APR (cap)
Not disclosed
Balance transfer
28.99%
Fee 4.00%
Cash advance
28.99%
Fee $5 or 5.00%, whichever is greater
Late / returned
$40 · Not disclosed

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Not disclosed
  • Reports AU to bureaus
    Yes
    No published age restriction.
    Issuer policy

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Sources

Data current as of June 17, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.