The Capital One Platinum Mastercard helps you manage credit the right way. With no annual fee, $0 fraud liability, and automatic credit line reviews, it rewards responsible spending habits and helps you move toward financial stability.
With CreditWise, you can monitor your credit score anytime, anywhere, for free. Combine that with Tap to Pay convenience and Capital One’s world-class security, and you get a credit card with no annual fee and low interest that truly puts control in your hands.
Is Capital One Bank good?
Capital One Bank is one of the most trusted financial institutions in the United States, serving millions of customers nationwide. Known for transparency, advanced technology, and customer-first service, Capital One provides accessible credit products that help people achieve real financial growth.
With its commitment to innovation and inclusion, Capital One has become a leader in digital banking — offering tools, mobile apps, and security features that make managing credit simple, safe, and effective.
How this card works
The Capital One Platinum Mastercard® is a straightforward credit card that helps users build or rebuild credit through responsible use. There are no annual fees, and customers are automatically reviewed for higher credit lines after six months of on-time payments.
Accepted worldwide and integrated with Tap to Pay and digital wallets, it’s a reliable discover credit card it designed to help you grow your financial profile safely.
Requirements to apply for this credit card with no annual fee and low interest
- U.S. residency required
- Valid Social Security Number (SSN)
- Fair credit (average or limited history)
- Minimum age 18 years
- No recent bankruptcy or delinquent accounts with Capital One
Fees for the Capital One Platinum Mastercard®
- Annual Fee: $0
- Purchase APR: 29.49% variable
- Balance Transfer Fee: 3% of each transfer (if applicable)
- Cash Advance Fee: 3% of the amount ($10 minimum)
- Late Payment Fee: up to $40
- Foreign Transaction Fee: None
- Minimum Interest Charge: None
Apply for your card online
- Visit capitalone.com/platinum
- Click “See If I’m Pre-Approved”
- Fill out the short application form
- Review your personalized offer
- Apply instantly with no risk to your credit score
Get approved today!
Start building your credit and enjoy the benefits of a credit card with no annual fee and low interest backed by one of the most trusted names in U.S. banking.
With automatic credit reviews, 24/7 service, and fraud protection, the Capital One Platinum Mastercard® helps you take control of your financial future — one responsible payment at a time.