Advertiser Disclosure

Platinum Mastercard® from Capital One

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Rates and Fees

Annual Fee: $0

Bonus Miles
Recommended Credit
580 - 740

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.

Summary

The Capital One Platinum Credit Card is an excellent choice for individuals looking to build or rebuild their credit. With no annual fee and access to Capital One's CreditWise® tool, cardholders can monitor their credit score and establish a solid credit history. While it doesn't offer rewards or premium benefits, it provides a straightforward way to work on your credit profile. It also offers the chance to earn a higher credit limit after making on-time payments in as little as six months.

Earning Rewards

  • 1X per $1 on everyday purchases

Additional Benefits

  • Unlimited rewards; no expirations

Foreign Transaction Fee

  • None

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by products. See the respective Guide to Benefits for details, as terms and exclusions apply.

Also consider

Capital One Spark Cash Plus

Capital One Spark Cash Plus

Capital One Spark Cash Plus

$1,200
Cash Back
Earn $1,200 cash back once you spend $30,000 in the first 3 months of account opening.
$1,200
Cash Back
Earn $1,200 cash back once you spend $30,000 in the first 3 months of account opening.
The Capital One Spark Cash Plus is a business credit card designed for small and large businesses alike, offering unlimited 2% cash back on all purchases, making it an excellent choice for companies looking to maximize their rewards on business spending.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card

$200
Cash Back
This card offers $200 cash bonus after spending $500 within the first three months of opening an account.
$200
Cash Back
This card offers $200 cash bonus after spending $500 within the first three months of opening an account.
The Capital One Savor Cash Rewards credit card is tailored for foodies and entertainment enthusiasts, providing generous cash back on dining and entertainment purchases, making it perfect for those who love dining out and experiencing entertainment.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Platinum Mastercard® from Capital One

CURRENT OFFER

REWARDS RATE
ANNUAL FEE
Daily Drop Score
out of 100
Annual fee (20%)
Welcome Offer (20%)
Point Redemption Value (20%)
Rewards Rates (15%)
Benefits (15%)
Travel Protections (10%)
Our Mission
Our Methodology

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Pros and Cons

The Pros

  • No annual fee, reducing the cost of card ownership
  • Access to CreditWise® to help you monitor and improve your credit score
  • The opportunity to qualify for a higher credit limit with responsible card use
  • Designed for individuals with limited or fair credit, helping them build a stronger credit history

The Cons

  • The card does not offer rewards or cashback
  • It's primarily focused on credit building and may not provide the benefits or features of rewards cards

Rewards Summary

  • 1X per $1 on everyday purchases

Additional Benefits

  • Unlimited rewards; no expirations

Customer Reviews

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How to make the most of your

Platinum Mastercard® from Capital One

Where to Transfer Your Points

PROGRAM NAME
TRANSFER RATIO
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Our Favourite Redemptions

Offer History

OFFER DATES
OFFER DETAILS
April 1, 2024
to
May 1, 2024
Earn 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
May 1, 2024
to
May 8, 2024
Earn 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
June 3, 2024
to
June 10, 2024
Earn 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

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Platinum Mastercard® from Capital One

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