The Capital One Platinum exists to help you build or rebuild credit without paying an annual fee, and it does that job without frills. It is an unsecured card, so there is no deposit tied up, which is the main thing it offers over a secured option. The catch is that it earns no rewards, carries no intro APR, and charges a flat 28.99% APR, so every dollar of interest you pay is pure cost. Use it for a few small purchases a month, pay the statement in full, and let the on-time history do the work. No foreign transaction fee is a minor bonus if you travel, but once your credit improves this card has little reason to stay at the top of your wallet.
Earn rates & credits
Card details
Regular APR | 28.99% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Capital One Platinum
Capital One PlatinumBased on 3 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.