Platinum Credit Card From Capital One

Enjoy no annual fee, plus access to valuable benefits

Enjoy no annual fee, plus access to valuable benefits

Average Customer Rating Read all 7725 reviews

This card is for people with AVERAGE CREDIT.

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Access a Higher Credit Line

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

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.

CreditWise® from Capital One®

Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise. It’s free and available to anyone, even if you’re not a Capital One cardholder.footnote1

Annual Fee


Purchase Rate


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Track your credit

Your credit score.
And more.

Gain access to your credit score, a credit simulator tool, and more that can help you monitor your credit profile with CreditWise from Capital One. It's free and available to anyone, even if you’re not a Capital One cardholder.

Card features and benefits

Capital One® cards come with these features

24/7 account monitoring

You will be contacted if there is any unusual activity on your account.

Personalized payment

Pick your own monthly due date and payment method—check, online, or at a local branch.

24/7 customer service

Get 24/7 access to customer service online, via mobile device, or on the phone.

Platinum Credit Card also comes with Platinum MasterCard® benefitsfootnote2

Extended warranty

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

Auto rental insurance

Rent a car with your credit card and you can be covered for damage due to collision or theft.

Travel accident insurance

Get automatic insurance for loss of life or limb 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 card replacement and a cash advance.

24-hour roadside assistance

If your car breaks down or you get locked out, call us and we'll send someone to the rescue.

Price protection

Reimburses you the difference in price on eligible items should you find a lower price for the same item within 60 days from the date of purchase when you pay with your credit card.

View the Complete Guide to Platinum MasterCard Benefits (247KB PDF)

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Use this credit card with Apple PayTM to make purchases on the go.footnote3


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Rate and fee information

for the Platinum Credit Card from Capital One


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


Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered MasterCard card to secure transactions. Please refer to your Guide to Benefits for further details. MasterCard® is a registered trademark of MasterCard International Incorporated.


Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.