Capital One · Mastercard
Capital One Platinum
Annual Fee
$0
Sign-Up Bonus
N/A
0Base Rate
1x
on everything
Best For
Building Credit (Fair Credit)
Key Benefits
Perks (not counted in our math)
Pros & Cons
Pros
- + Approved with fair/limited credit
- + No annual fee
- + Credit limit increases over time
- + Path to Quicksilver or Venture
Cons
- - No rewards — purely credit building
- - Low initial credit limit
- - High APR — pay in full always
Rates and fees may vary.See current rates, fees, and terms on Capital One's site
Recommended credit score: 580+
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
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