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Capital One Platinum Credit Card

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 free text message alerts

(3.5 out of 5.0)

Information - Rates - Fees

Intro APR:

N/A*

Intro Period:

N/A*

APR:

24.90%*

APR Type:

variable

Annual Fee:

$19.00*

Issuer:

Capital One

Card Network:

MasterCard®

Card Category:

Consumer (Premium)

Card Type:

Credit Needed:

Limited*

Grace Period:

25 days*

Min Finance Charge:

$0.50

Min Credit Line:

$300

Max Credit Line:

$3,000

Late Payment Fee:

Up to $35*

Balance Transfers

Balance Transfer:

Transfer Fee (%):

0.00%

Cash Advances

APR on Cash Advances (%):

24.90%

Cash Advance Fee (%):

3.00%

Minimum Fee:

$10.00

Other Fees

Additional Fees

Returned payment fee: $39.00
Return check fee: $35.00

Review

The Capital One Platinum credit card is offered to consumers having average credit. Those in need of a credit card that could help them build a solid history while discouraging frivolous spending will enjoy time spent being a member on this card. Card members pay no annual fee and interest charged isn't the lowest out there.

Balance transfers pay no transfer fee and are not privy to the intro period.

Card members do not avail of a reward program. Being a platinum Master Card, card members stand to benefit from a host of platinum benefits. Free insurance, round the clock support and road assistance are amongst a few.

Features

Most attractive:

- No annual fee for the first year
- Limited/No History

Least attractive:

- No rewards program

Rewards & Benefits

Other Benefits:

- 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—use your card to rent a car and you're covered for collision, damage and loss
- No foreign transaction fees

Online Access:

Yes!

The information provided for Capital One Platinum Credit Card is believed to be accurate at the time of evaluation (Mar 8, 2012). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.