Credit Cards

Platinum Mastercard® from Capital One

Get the credit you need with the #1 Credit Card for Customer Satisfaction – No Annual Fees or Rewards by J.D. Power 1 .

Find out if you're pre-approved with no risk to your credit score.

See If I'm Pre-ApprovedApply Now
View important rates and disclosures
Credit Level: FAIR
Read all 9,520 reviews

Find out if you're pre-approved with no risk to your credit score.

See If I'm Pre-ApprovedApply Now
View important rates and disclosures

Annual Fee

$0

Purchase Rate

29.74% variable APR

Automatic Credit Line Reviews

 Be automatically considered for a higher credit line in as little as 6 months.

CreditWise from Capital One

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.

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.

Tap to Pay

Check out faster and securely with your contactless card. Simply hold or tap your card on a contactless-enabled card reader and you are good to go.

PLATINUM INDUSTRY AWARDS
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J.D. Power Award Winner

#1 Credit Card for Customer Satisfaction – No Annual Fees or Rewards 1

Explore Capital One credit card benefits 2

Account Alerts

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

Autopay

Set up Autopay for your account and your payments will be made automatically every month. Learn more about setting up Autopay.

See Monthly Recurring Transactions

24/7 access to a list of merchants that charge your Capital One card monthly, like subscriptions and bills on your account at www.capitalone.com

Authorized User

Add an authorized user to your account, and track spending by user.

Balance Transfer

Transfer your higher-rate balances onto a Capital One card. Learn more about balance transfers.

24/7 Customer Service

Helpful customer service representatives are available to assist you 24 hours a day. Contact Capital One Customer Service here.

Balance transfer requests are subject to approval.

See All Card Benefits

Want to see more cards that could help you build credit with responsible use?

Customer Reviews
  • 5 Star
    72%
  • 4 Star
    18%
  • 3 Star
    5%
  • 2 Star
    2%
  • 1 Star
    3%
4.5
based on 9520 reviews
91 %
of reviewers recommend Platinum Mastercard®
4.5
based on 9520 reviews
91 %
of reviewers recommend Platinum Mastercard®
  • 5 Star
    72%
  • 4 Star
    18%
  • 3 Star
    5%
  • 2 Star
    2%
  • 1 Star
    3%
Yes, I recommend this product

Works Well for Me

Hatenicknander - Today

This card/account works very well for me and my needs.

Yes, I recommend this product
Yes, I recommend this product

Great Card

Michele81 - 2 days ago

Great card! I like to use it to purchase gas, and it’s been helping me build credit.

Yes, I recommend this product
Yes, I recommend this product

Na

Roy jj - 2 days ago

Thank you for a chance to improve my credit because it took me a long time coming

Yes, I recommend this product
Yes, I recommend this product

Great features with this card

la10 - 2 days ago

I use this card for everyday purchases and pay off before due date. Accepted everywhere is a plus. They update me with my balance and payments by email or text, so very easy to keep up with purchases and payments.

Yes, I recommend this product
Yes, I recommend this product

Excellent fit for personal use.

Frans88 - 2 days ago

Great versatility and ease of use for my day to day.

Yes, I recommend this product
Yes, I recommend this product

Useful

Dee03 - 2 days ago

This helps me get what I need when I need it. Recommended for everyone

Yes, I recommend this product
Yes, I recommend this product

Great customer service

job72 - 2 days ago

My capital one card is convenient and easy to use.

Yes, I recommend this product
Yes, I recommend this product

Great features , awesome card, no problems

Dee221 - May 27, 2025

Because capital one employees are knowledgeable , understand your needs

Yes, I recommend this product
Yes, I recommend this product

Great Card for a Great Life!

Bax54 - May 27, 2025

I've had my Capital One card for many years. It has been a great companion throughout the eb and flow of my life.From needs to emergencies, my Capital One card has always come through for me! If needed the friendly folks...

Yes, I recommend this product
Yes, I recommend this product

The card is cool but don’t like the credit ratinga

Dont do the pre approval - April 27, 2025

The card is cool paid on time you pay it back and your credit score is supposed to go up. I pay all my other bills on time too and then they send me a invite to be preapproved for a car so I go and I do that and that say...

Yes, I recommend this product
  1. 1

    Platinum Mastercard, issued by Capital One, received the highest score in the Bank Credit Cards – No Rewards or Annual Fee segment, excluding co-branded cards. For J.D. Power 2024 award information, visit jdpower.com/awards
     
     

  2. 2

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