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

$2,000
Cash Back
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
$2,000
Cash Back
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
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

🏆 Best for Capital One Cash Back

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

Capital One Savor Cash Rewards Credit Card

🏆 Best for Capital One Cash Back

$250
Cash Back
LIMITED TIME OFFER
For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
$250
Cash Back
For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
The Capital One Savor 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

Our Score
Annual fee (20%)
Welcome Offer (20%)
Point Redemption Value (20%)
Rewards Rates (15%)
Benefits (15%)
Travel Protections (10%)
Our Mission
Our Methodology

My Take

Comparable Cards

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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

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

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 & Redemptions

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How to make the most of your

Platinum Mastercard® from Capital One

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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.

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