Capital One · Mastercard
Capital One Platinum
17 / 100
Annual Fee
$0
Sign-Up Bonus
N/A
Base Rate
1x
on everything
Best For
Building Credit (Fair Credit)
Key Benefits
Automatic credit line reviews (6 months)(~$50/yr)
No deposit required(~$100/yr)
Free CreditWise monitoring(~$25/yr)
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
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Recommended credit score: 580+
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