![]() If you cannot qualify for a rewards-earning credit card, the Capital One Platinum card could be a. Since the card does not charge an annual fee, it can be a cost-effective way to start the process. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. The Capital One Platinum card is worth it if you do not have a credit history or have at least fair credit and want to build or rebuild your credit. Check the data at the top of this page and the bank's website for the most current information.Ĭ credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. Then it was stuck at 4000 until recently, as I used my other card since the limit grew much faster. The Capital One Platinum Credit Card is made for those who want a card with Platinum Mastercard benefits, but only have average credit and cannot qualify for a. The first 9-10 years, I used it once a month just to keep the account active and the credit limit grew from less than 1000 to 4000 in one or two years. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Like the Capital One QuicksilverOne Cash Rewards Credit Card, the Capital One Platinum Credit Card has a much higher-than-average 30.49 Variable APR for purchases and balance transfers. I've had a Capital One platinum card for 12 years. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. does not include the entire universe of available financial or credit offers.ĬCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.ĮDITORIAL DISCLOSURE All reviews are prepared by staff. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. You can use your old card until the new one arrives, and. Your card number won’t change, but you will receive a new card with an updated expiration date and security code. If you are approved, you should receive your card within 7-10 business days from the approval date. Learn more about this card in our Capital One Platinum Credit Card review. If you don’t want to deal with an annual fee at all, the Capital One Platinum is the clear winner. The offers that appear on this site are from companies from which receives compensation. A Capital One Platinum card upgrade typically takes just a few minutes. The Capital One Platinum has a 0 annual fee, whereas the Capital One QuicksilverOne has a 39 annual fee. All Rights Reserved.ĪDVERTISER DISCLOSURE is an independent, advertising-supported comparison service. The Capital One Platinum credit card - For people with bad credit or building credit. ![]() Copyright © 2023 a Red Ventures Company.
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