Capital One® Standard Platinum Credit Card

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Capital One® Standard Platinum Credit Card

The Capital One Standard Platinum Credit Card is designed for people with a limited credit history, including those who have had credit cards for less than three years or who have not had a credit card in their own name. Since there is no fee for balance transfers this card might be an option for those who wish to transfer balances from other cards that carry an annual fee. This card might also be a choice for those looking to establish credit by showing they can pay their bills on time and stay within their credit limit.

General Information

Who Should Apply

This card is for users limited credit, which includes those who have not had credit card or loan histories longer than 3 years, or who have only been an authorized user on their parent's account.

Card

- Capital One® Platinum Credit Card

Issuer

- Capital One

Category

- ,

Credit Rating Needed

- Fair,

Interest Rate Information

Rates

The Capital One Standard Platinum Credit Card offers a variable APR.

Basic APR

- 24.9% (V)

Intro APR Offer

- N/A

Intro Rate Offer Details

- N/A

Annual Fee

- $0 intro for the first year; $19 after that

Late Fee

- See Website for Details

Universal Default

- No

Rewards and Benefits

Rewards

This card does not offer any rewards programs or cash back on purchases.

Benefits

This card offers Capitol One's platinum benefits, which include $0 fraud liability, meaning you won't be responsible for unauthorized charges if your card is lost or stolen. It also offers 24-hour travel and emergency assistance, which provides a replacement card and cash advance if your card is lost or stolen.

The card offers 24-hour roadside assistance if your car breaks down or you get locked out. For fares purchased on the card, they offer travel accident insurance. And there is auto rental insurance, which covers collision, damage and loss insurance when you use the card for to pay for car rentals.

Balance Transfers

The card carries a 24.9% (V) balance transfer APR, but does not charge members a transfer fee. No minimum transfer amount applies.

Editor's Notes

Always read the terms and fees disclosure provided by the credit card issuer on their site before applying. The issuing bank's terms may include more detailed or updated information than presented here.

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