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