Capital One

Capital One Platinum Credit Card Review

People with fair credit who want an unsecured, no-deposit card with no annual fee

Updated for 2026

Overview

The Capital One Platinum is an unsecured, no-annual-fee card aimed at people with fair credit who want to build their standing without a deposit. It earns no rewards, but on-time payments can lead to an automatic credit-limit review. Approval is never guaranteed.

Annual fee	$0
Regular APR	28.99% variable
Welcome bonus	None
Rewards	None — this card does not earn rewards
Recommended credit	Fair credit

See if you pre-qualify →

Pros & cons

Pros

Unsecured with no deposit required and open to fair credit, with no annual fee
No foreign transaction fees
Automatically considered for a credit-limit increase in as little as 6 months of on-time payments

Cons

High 28.99% variable APR and no intro APR
Earns no rewards

Compare with similar cards

Not sure this is the one? Weigh it against other bad credit options.

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See how to apply → See all bad credit cards

Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.