Capitol one platinum free#
Credit Card Satisfaction Study.Īll Capital One cardholders and even non-customers have access to CreditWise, which provides free VantageScore 3.0 credit scores and credit fraud monitoring. Get access to your account 24 hours a day, seven days a week with online banking to access your account from your desktop or smartphone with Capital One's mobile appĬapital One, the company that issues this card, ranked fourth out of 11 and received an below-average score in the J.D.But you can keep the Platinum card open after getting another card because it won't cost you anything, and the longevity of that account will benefit your credit score. The drawback is that you may want to get rid of the card after a year or so when your credit improves and you can qualify for a rewards card without an annual fee. The QuicksilverOne card is still a better deal, even given that annual fee, as long as you plan to charge at least $2,600 per year on it. This card provides 1.5% in cash back and carries a $39 annual fee.
The same company offers a cash-back option for people with similar credit through its QuicksilverOne by Capital One card. It's also inappropriate if you're looking for a rewards card. The potential for getting a credit limit increase in as little as six months is a nice perk.īut this isn't the best card for someone who already has good or excellent credit. The Platinum card from Capital One is for someone with average credit who's looking to build or rebuild their credit without paying an annual fee, and who doesn't particularly care about earning rewards. The APR on purchases for this card is above 29%, so you'll pay a steep price if you expect to carry a monthly balance.
Keep your balances low and this will boost your credit score over time. Quick credit limit increases: You could see a credit limit increase after as little as six months of on-time payments so make sure you pay a couple of days ahead to ensure that your payments post on time.dollars or the local currency when you use the card outside the U.S. You can make purchases without incurring an additional fee in either U.S. No foreign transaction fee: The Platinum credit card from Capital One has no rewards component, but it does travel well.No annual fee: You won't pay an annual fee for this card, which is a good deal if you haven't established great credit yet or you're rebuilding your credit.
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