Platinum Credit Card
from Capital One®

Platinum Credit Card
from Capital One®

Credit Level: AVERAGE

Average Customer Rating Read all 8333 reviews

View important rates and disclosures

See if you’re pre-qualified for Capital One credit card offers, with no impact to your credit score.

Annual Fee


Purchase Rate


Access a Higher Credit Line

Get access to a higher credit line after making your first 5 monthly payments on time.


Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One®. It's free and available to anyone, whether or not you have a Capital One product.footnote1

Fraud Coverage

You're covered by $0 fraud liability if your card is ever lost or stolen. That means you will not be responsible for fraudulent purchases.

Mobile Apps

Manage your account with fast and easy online banking–right from your mobile device.

Explore Capital One credit card benefitsfootnote2

Instant Purchase Notifications

Receive instant purchase notifications with the Capital One mobile app to keep track of your spending in real time whenever your Capital One credit card is approved.


Set up Autopay for your account and your payments will be made automatically every month.

Account Alerts

Set up personalized email or text reminders to help you stay on top of your account.

24/7 Customer Service

Helpful customer service representatives are available to assist you 24 hours a day.

Personalized Payment

Pick your own monthly due date and payment method—check, online or at a local branch—all with no fee.

Security and Account Alerts

You’ll get automatic security alerts—via text, email or phone—and can choose to sign up for personalized emails or texts to stay on top of your account information.

Card Lock

If you misplace your credit card, you can instantly lock your card and turn it back on again when you’re ready, all right in the Capital One Mobile app.

Second Look®

Our Second Look feature brings your card spending into focus with round-the-clock account monitoring. If it spots a potential mistake on your card, you’ll automatically receive an alert through the Capital One Mobile app and via email.

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen.

EnoSM from Capital One

Download the Eno extension in your Google Chrome browser to shop online without sharing your personal credit card information with merchants.

SureSwipe/Touch ID

Sign in to the Capital One Mobile app quickly and securely with your fingerprint or customized pattern.

Some activity may continue with Card Lock, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime, and certain other exempted transactions.

Capital One Mobile App

Manage your account anywhere, anytime. Pay your bill, view your balance and transactions—even stay on top of your credit for free with CreditWise®.

EnoSM from Capital One

With Eno from Capital One, you have an intelligent assistant at your fingertips. Track account balances, check recent transactions, get bill due dates and more, all via text.

CreditWise® from Capital One

Monitor your credit with CreditWise. It’s free for everyone—whether or not you have a Capital One credit card—and it won’t hurt your score.

No Foreign Transaction Fees

You won’t pay a transaction fee when making a purchase outside of the United States.

Travel Accident Insurance

Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.

24-Hour Travel Assistance Services

If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance.

Extended Warranty

You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.

Auto Rental Collision Damage Waiver

Rent an eligible vehicle with your credit card and you can be covered for damage due to collision or theft.

Travel and Retail Benefits, except No Foreign Transaction Fees, are provided by Visa® or Mastercard® and may vary by product. See your respective Guide to Benefits for details, as terms and exclusions apply.

Rate and fee information

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{{PRODUCT_NAME_SHORT}} Credit Card from Capital One

  1. CreditWise availability will vary depending on ability to obtain your credit history from TransUnion®.

  2. Some cardholder benefits are only available to the primary cardholder and not authorized users.