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Capital One · Mastercard

Capital One Platinum Credit Card

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
See reward details
Intro offer
Check the issuer page for any current introductory offer and eligibility rules.
Recommended credit
Fair (580-669)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 28.99%
Balance transfer APR
APR range: 28.99%
Cash advance APR
APR range: 28.99%
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $40
Grace period
Check issuer terms
Recommended credit
Fair (580-669)
Terms last updated
6/22/2026
Key benefits
  • No yearly card fee
Rewards breakdown

Wafacard summary: this everyday credit card should be compared by its annual fee, issuer terms, reward fit, and benefit usefulness for your normal spending.

Intro offer: Check the issuer page for any current introductory offer and eligibility rules.

Card details

Wafacard note: key fit signals include no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
Capital One
Network
Mastercard
Type
general
Review status
Terms reviewed 6/30/2026

Is Capital One Platinum Credit Card worth it?

The Capital One Platinum Credit Card is a no-annual-fee general card from Capital One, so you can keep it long term without paying to hold it. New cardholders may also qualify for a welcome offer: Check the issuer page for any current introductory offer and eligibility rules. It is generally aimed at applicants with fair (580-669) credit, with a purchase APR around APR range: 28.99%. Confirm current terms on Capital One's site before applying.

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