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Capital One Platinum Mastercard®

Capital One Platinum Mastercard®
Capital OneNo annual fee
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on Capital One's website

Annual Fee
$0
Welcome offer
No current welcome offer

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Pros & Cons

Pros

  • +No annual fee

Cons

  • –No purchase protection

Our Review

Build Your Credit with the Capital One Platinum Credit Card

  • No annual fee—establish or rebuild your credit at zero cost
  • No foreign transaction fees—use your card abroad without extra charges
  • Automatic credit line reviews—on‑time payments can unlock a higher limit in as few as 6 months
  • $0 Fraud Liability—you’re protected from unauthorized charges
  • CreditWise® access—monitor your credit score and reports for free

Perfect for anyone with fair or average credit, this card gives you the flexibility of choosing your monthly due date and managing your account 24/7 with the Capital One mobile app. Enjoy contactless payments and peace of mind knowing there are no hidden fees.

Terms apply. Approval subject to creditworthiness. See issuer’s website for full details.

Additional Benefits

$0 annual fee. Automatic credit line reviews: be automatically considered for a higher credit line in as little as 6 months. CreditWise from Capital One: unlimited access to your credit score and tools to monitor your credit profile, free and available to anyone whether or not you have a Capital One product. Fraud coverage: $0 fraud liability if your card is ever lost or stolen, so you will not be responsible for fraudulent purchases.

Terms & Conditions

Card Features

  • No annual or hidden fees. See if you’re approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
  • Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Capital One. All trademarks are property of their respective owners.