Capital One · Mastercard

Capital One Platinum Credit Card

Rewards Standard No Foreign Fees

$0 Annual Fee

28.99% Variable Purchase APR

580+ Recommended FICO

Benefits & Protections

No Foreign Fees

Benefit	Category	Value / Coverage
Automatic Credit Line Review Cardholders are automatically considered for a higher credit line in as little as 6 months with responsible card use, supporting credit profile improvement over time.	Financial	Complimentary
No Annual Fee No annual fee charged for this card, keeping the total cost of card ownership at $0 for cardholders who pay their balance in full each month.	Financial	$0 annual fee Up to $0
No Foreign Transaction Fees No fees charged on purchases made outside the United States or in a foreign currency.	Financial	0% foreign transaction fee
Capital One Café Discount Cardholders receive 50% off all handcrafted beverages at any Capital One Café nationwide.	Lifestyle	50% off beverages
Capital One Mobile App Full-featured mobile app for viewing balances, making payments, setting account alerts, and accessing Eno virtual assistant.	Other	Complimentary
CreditWise Credit Monitoring Free access to CreditWise from Capital One, providing credit score tracking, credit report monitoring via TransUnion and Experian, and dark web monitoring with no impact to credit score.	Other	Complimentary
$0 Fraud Liability Cardholders are not responsible for unauthorized charges if the card is lost or stolen.	Security	$0 liability
Card Lock Cardholders can instantly lock and unlock their card via the Capital One Mobile app if it is misplaced, lost, or stolen.	Security	Complimentary
Security Alerts Capital One notifies cardholders via text, email, or phone if potentially suspicious activity is detected on the account.	Security	Complimentary
Virtual Card Numbers (Eno) Capital One's Eno virtual assistant allows cardholders to generate virtual card numbers for safer online shopping, protecting the actual card number from data breaches.	Security	Complimentary
Capital One Shopping Free browser extension that automatically applies coupon codes at checkout and alerts cardholders to price drops on items viewed or purchased.	Shopping	Complimentary
24-Hour Travel Assistance Services Around-the-clock travel assistance including emergency card replacement and emergency cash advance if the card is lost or stolen while traveling.	Travel	Complimentary

Interest Rates

Purchase APR 28.99% Variable

Balance Transfer APR 28.99%

Cash Advance APR 28.99%

Fees

Annual Fee $0 — No Annual Fee

Authorized User Fee Free

Foreign Transaction Fee None

Balance Transfer Fee $0 at the Transfer APR; 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Cash Advance Fee Either $5 or 5% of the amount of each cash advance, whichever is greater

Late Payment Fee Up to $40

Returned Payment Fee Up to $40

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669

300 Poor 580 Fair 670 Good 740 Very Good 800+ Exceptional

Approval Difficulty Easy

Credit Profile Fair

Approval Odds Good

Decision Time Instant

Pre-Qualification Available (no hard pull)

Student Eligible Yes

Co-Applicant Not allowed

Business Eligible No

Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 2 cards from this issuer simultaneously.

Shutdown Risk Triggers

Excessive cash advances, too many Capital One applications within a short period, credit reports frozen at any bureau at time of application, holding more than two personal Capital One cards simultaneously

Cliff Effect Rules

No cliff-effect rules apply to this card as it offers no welcome bonus. Holding or having previously held the Platinum card does not block bonus eligibility on any other Capital One card family, including the Quicksilver, Venture, Venture X, or Savor families.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Capital One limits personal cardholders to a maximum of two personal Capital One credit cards open simultaneously, and will not approve a new application if one was submitted within the prior six months. The Capital One Platinum Credit Card carries no welcome bonus and earns no rewards, so there are no bonus eligibility cliffs or family-rule spending restrictions of any kind tied to this card. As with all Capital One applications, hard inquiries are pulled simultaneously from all three major credit bureaus — Equifax, Experian, and TransUnion — and all bureaus must be unfrozen at the time of application.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Interest rate capped at 4% APR on pre-service balances during active duty; all credit card fees including annual fees waived for eligible servicemembers during active duty and for one year after; benefits apply to accounts opened prior to active duty service.

Hardship Program

Hardship program available.

Capital One

Annual Fee

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APR 28.99% Variable

Quick Summary

Annual Fee Free

Foreign Fees None

Min. FICO 580+

Network Mastercard

Card Type Rewards

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