Credit and Habit

Capital OnePersonal card

Platinum Credit Card

$0 annual fee Build credit with responsible use

AT A GLANCE

Credit card overview

Card categories

  • Credit Building

What you get

Rewards and benefits

  • Build credit with responsible use
  • Credit-building focus
  • Pre-approval may be available

Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.

What it costs

Fees, rates and terms

Annual fee$0
Purchase APR29.24% variable APR
Advertised credit profileFair credit

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Capital One makes every lending decision.

Earning rates, caps and exclusions
$0 annual fee Build credit with responsible use
Annual fee and first-year pricing
Annual Fee $0
Other conditions
$0 annual fee Build credit with responsible use

Conditions to know

  • No cash back or points rewards.
  • Approval and credit limit are determined by the issuer.
  • On-time payments and low balances can support credit health but do not guarantee a score change.

Recorded from Capital One’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.

Your call

Before you apply for the Platinum Credit Card

  1. Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.

Read the full application checklist →See how it fits your spending in Find My Card →

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Why it stands outEarn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.

Rewards focus: Secured

Welcome offer

Unlimited Cashback MatchDiscover matches all the cash back earned in your first year, automatically; there is no stated maximum. No fixed dollar signup bonus is represented.

Annual fee$0
View details →Apply on issuer site