Platinum
Checking your eligibility lets you see offers in as little as 90 seconds with no credit score impact.
$0 annual fee
Plus, there are no hidden or foreign transaction fees.
Credit line reviews
Be automatically considered for a higher credit line in as little as 6 months.
$0 fraud liability
If your card is lost or stolen, you won’t be responsible for unauthorized charges. 2
Featured benefits
Help never miss a payment
Making consistent, on-time payments can help build your credit over time. Set up AutoPay to make automatic payments every month.
Choose your due date
Pick your own monthly due date and payment method—check, online or at a local branch—all with no fee.
Pay zero interest
You won’t pay any interest if you pay your statement balance in full each month by the due date.5
Get proactive alerts
Receive an alert if Capital One detects an unexpected charge or potentially suspicious activity on your account.6
24/7 customer service
Helpful customer service representatives are available to assist you 24 hours a day.
Explore all benefits7
Account management
Add an authorized user
Add an authorized user to your account and track spending by user.
Chat with Eno
Chat with Eno, your Capital One assistant, over text, online or in the Mobile app for quick answers to your account questions.6
Get 24/7 customer service
Helpful customer service representatives are available to assist you 24 hours a day.
Monitor your credit for free
Use CreditWise from Capital One to check your FICO® Score 8 as often as you’d like and get alerts when your TransUnion® or Experian® credit report changes.4
Help never miss a payment
Set up AutoPay for your account and your payments will be made automatically every month.
Receive account alerts
Receive an alert if Capital One detects a potential mistake or unexpected charge, like a duplicate purchase or a sudden recurring bill increase. Track recurring merchants and other frequently used merchants where your card is stored online.68
Stay on top of your account
Manage your account anywhere, anytime, with the Capital One Mobile app. Pay your bill, view your balance and transactions—even stay on top of your credit for free with CreditWise from Capital One.4
Transfer a balance
Transfer your higher-rate balances onto a Capital One card.9
Security features
Get $0 fraud liability
If your card is lost or stolen, you will not be responsible for unauthorized charges.2
Get security alerts
Get notified via text, email and phone if Capital One notices potential suspicious transactions on your account.
Lock your card
Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen.10
Replace your card
If your card is lost or stolen, you can get an emergency replacement and a cash advance.
Use virtual cards
Pay for online purchases with virtual cards and keep your physical card number to yourself.8
Events & exclusives
Get 50% off handcrafted beverages
Capital One cardholders enjoy 50% off all handcrafted beverages every day at any Capital One Café nationwide. Find your Café.11
Shopping
Access Capital One Offers
Cardholders have exclusive access to earn statement credits or rewards by shopping online at thousands of retailers, like Adidas, Macy’s and more.
Save with Capital One Shopping
This free browser extension automatically applies the best available coupon codes at checkout and alerts you when prices drop on items you’ve viewed or purchased. Capital One Shopping is free for everyone, whether or not you have a Capital One credit card.
Travel
No foreign transaction fees
You won’t pay transaction fees when making purchases outside of the United States.
Not what you’re looking for?
Explore more cards designed to help you build credit with responsible use.1