Is Platinum Mastercard® from Capital One worth it?

The Capital One Platinum credit card is a straightforward, no-frills option designed for those looking to build or rebuild their credit with a focus on responsible credit management.

What credit score do I need to get Platinum Mastercard® from Capital One?

The recommended credit score for Platinum Mastercard® from Capital One is 580 - 740.

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Platinum Mastercard® from Capital One

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Rates and Fees

Annual Fee: $0

Bonus Miles

Recommended Credit

580 - 740

Current Offer

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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.

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.

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Earning Rewards

1X per $1 on everyday purchases

Additional Benefits

Unlimited rewards; no expirations

Foreign Transaction Fee

Rates and Fees

None

Also consider

Capital One Spark Cash Plus

Annual Fee: $150

Rates & Fees | Terms Apply

$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

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

🚀 Learn How to Apply

👀 Read Our Take

🏆 Best for Capital One Cash Back

Capital One Savor Cash Rewards Credit Card

🏆 Best for Capital One Cash Back

Annual Fee: $0

Rates & Fees | Terms Apply

$200

Cash Back

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

$200

Cash Back

Earn a one-time $200 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.

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🚀 Learn How to Apply

👀 Read Our Take

Platinum Mastercard® from Capital One

CURRENT OFFER

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Learn More Rates & Fees

REWARDS RATE

ANNUAL FEE

Our Score

Annual fee (20%)

Welcome Offer (20%)

Point Redemption Value (20%)

Rewards Rates (15%)

Benefits (15%)

Travel Protections (10%)

Our Take

Comparable Cards

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FULL COMPARISON

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

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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

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Rewards Summary

1X per $1 on everyday purchases

Additional Benefits

Unlimited rewards; no expirations

Customer Reviews & Redemptions

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