Capital One Platinum Credit Card
Written by Kenji NiwaEdited by Kenji NiwaNo Firstcard offer · free sign-up
The Capital One Platinum is an unsecured card with no annual fee for people with fair credit. It has no rewards, but there is no foreign transaction fee. Capital One reviews you for a higher line in as little as six months.
No Firstcard offer · free sign-up
$0
Annual fee
29.24% variable
APR
Yes
Prequalify
The details
- Annual fee
- $0
- APR
- 29.24% variable
- Security deposit
- None
- Late fee
- Up to $40
- Foreign transaction fee
- None
- Credit check
- Yes
- Prequalification
- Yes
- Bureaus reported
- Equifax, Experian and TransUnion (all 3)
Facts come from the issuer's own terms, checked October 13, 2026. Confirm them on the issuer's site before you apply.
Pros & cons
Pros
- No annual fee and no foreign transaction fee.
- Check if you're pre-approved with no impact to your score.
- Automatic reviews for a higher credit line in as little as six months.
Cons
- The 29.24% variable APR is high if you carry a balance.
- No rewards at all on your spending.
- Applying means a credit check, and a late payment costs up to $40.
Compare Capital One Platinum Credit Card to other no-deposit cards
Capital One Platinum Credit Card
4.7- Credit limit
- —
- Yearly fee
- $0
- APR
- 29.24% variable
- Credit limit
- $300 to $3,000
- Yearly fee
- $0 to $125
- APR
- 29.99% to 35.99% fixed
- Credit limit
- Up to $3,000 to start
- Yearly fee
- $0 to $59
- APR
- 19.99%–33.99%
- Credit limit
- Up to $1,500 to start
- Yearly fee
- $0
- APR
- 27.99%–29.99%
Similar cards are picked automatically: same list, ranked by Firstcard editors' rating, whether or not Firstcard has a deal with them. Clicks are Firstcard members sent to each card in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- High APR. 29.24% is well above the U.S. average of 22.15% for cards that charge interest (Federal Reserve, Q2 2026). If you can't pay in full every month, a balance gets expensive fast.
U.S. average APR on accounts assessed interest: Federal Reserve G.19, Q2 2026.
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Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
