Platinum Mastercard®
Platinum Mastercard® from Capital One
Get the credit you need with no annual fee, plus automatic credit line reviews. Show
 Recommended credit: Find out if you’re pre-approved with no risk to your credit score. Purchase APR28.49% variable APR No hidden fees Avoid foreign transaction fees and authorized user fees. Risk-free pre-approval See if you’re pre-approved for this card with no risk to your credit score. Automatic credit line reviews Be automatically considered for a higher credit line in as little as 6 months. $0 fraud liability You’re fully covered from fraudulent charges if your card is ever lost or stolen Credit score monitoring Get unlimited access to your credit score through CreditWise.1
Platinum Mastercard®With Capital One, you get more than just credit2Find out if you’re pre-approved with no risk to your credit score. Other perks included in your cardholder membership:Account AlertsSet up personalized email or text reminders to help you stay on top of your account. AutopaySet up Autopay for your account and your payments will be made automatically every month. See Monthly Recurring Transactions24/7 access to a list of merchants that charge your Capital One card monthly, like subscriptions and bills on your account at www.capitalone.com. Authorized UserBalance Transfer24/7 Customer ServiceHelpful customer service representatives are available to assist you 24 hours a day. Security AlertsGet notified via text, email, and phone if Capital One notices potential suspicious transactions on your account. $0 Fraud LiabilityIf your card is lost or stolen, you will not be responsible for unauthorized charges. 3 Card LockLock your card in the Capital One Mobile app if it’s misplaced, lost, or stolen.4 Virtual Card Numbers from EnoPay for online purchases with virtual card numbers and keep your actual card number to yourself. Learn more about Eno. Account Alerts from EnoReceive an alert if Capital One detects a potential mistake or unexpected charge like a potential duplicate purchase or a sudden recurring bill increase. Learn more about account alerts. CreditWiseCapital One Mobile AppCreditWise from Capital OneMonitor your credit with CreditWise. It’s free for everyone—whether or not you have a Capital One credit card—and it won’t hurt your score.1 Eno, your Capital One assistantWherever you are, Eno keeps an eye on your accounts 24/7, sends alerts when something’s up, and is always ready to answer questions—so you can keep moving. Instant Purchase NotificationsStay on top of your spending by receiving a push notification each time a new purchase is approved on your account. No Foreign Transaction FeesYou won’t pay a transaction fee when making a purchase outside of the United States. ATM Location ServicesReceive help finding the nearest ATM when traveling. Emergency Card ReplacementIf your credit card is lost or stolen, you can get an emergency replacement card. Tap to PayJust like in your mobile wallet, you can now tap to pay with your contactless card. It’s a fast and secure way to pay. Simply hold or tap your card on a contactless-enabled card reader and you are good to go. See all Card BenefitsRate and fee informationChoose a card to view its rate and fee information Looking for other cards that can help you build credit with responsible use?
Capital One Customer Ratings Platinum Mastercard® Card4.5 out of 5 Based on 9,327 ratings 91% of reviewers recommend Platinum Mastercard® Card 5 star 72% 4 star 18% 3 star 5% 2 star 2% 1 star 3%
These reviews are managed by Bazaarvoice and comply with the Bazaarvoice Authenticity Policy, which is supported by anti-fraud technology and human analysis. 1 CreditWise availability will vary depending on ability to obtain your credit history from TransUnion® and is free for everyone whether or not you have a Capital One credit card. 2 Some cardholder benefits are only available to the primary cardholder and not authorized users. 3 $0 fraud liability claims are subject to investigation and verification. 4 With Card Lock, some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions. 5 Your security deposit will be returned and your account unsecured. All other card terms and features will remain the same. Credit Level GuidelinesWhich of these 4 best describes you?
Rebuilding CreditI've defaulted on a loan more than once. OR I've been declined for a credit card in the last 3 months.
Fair CreditI've defaulted on a loan in the past 5 years. OR I have limited credit history. I’ve had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else's credit card).
Good CreditI have not declared bankruptcy or defaulted on a loan in the past 5 years. I have a credit card or loan and have not been more than 30 days late on any payment in the last year.
Excellent CreditI've never declared bankruptcy or defaulted on a loan; I haven't been more than 60 days late on any credit card, medical bill, or loan in the last year; I've had a loan or credit card for 3 years or more with a credit limit above $5,000. These are only guidelines to help you narrow your selection, and additional factors from your application and credit history will also be considered. You may meet these criteria and still be declined. Please review the product disclosures on the card application for additional information about eligibility. How do I check the status of my Capital One secured credit card?You can check the status of your application anytime by calling 1-800-903-9177. We will notify you in writing of our decision within 7 to 10 days of your application.
Does a Capital One secured credit card build credit?Building Credit With a Secured Credit Card From Capital One
Secured cards might not help you build credit any faster than other credit-building methods, but it's possible to improve your credit gradually with consistent, responsible use. If it fits your needs, you could apply for a Capital One secured credit card.
How do I get my Capital One secured credit card back?Capital One refunds security deposits in two ways: You can earn back your deposit as a statement credit by using your card responsibly. Or it will be refunded when you close your account and pay your balance in full.
Does Capital One have 24 hour customer service?Sign in to www.capitalone.com 24/7. Call our Interactive Phone Service with 24/7 access at 1-888-464-7868. Speak to an Associate at 1-800-289-1992 from 8 AM to 8 PM, 7 days a week.
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Capital one secured credit card customer service number
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