Advertiser Disclosure: Katie's Travel Tricks has partnered with CardRatings for our coverage of credit card products. Katie's Travel Tricks and CardRatings may receive a commission from card issuers. Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author's alone.

Capital One Platinum Credit Card

Counts Toward 5/24
Welcome Offer
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How to Earn Rewards
None This card does not earn rewards. It is designed for credit building, not for points or cash back.
Key Benefits

Tap any benefit to see details.

Automatic Credit Limit Review at 6 Months
Cardholders are automatically considered for a higher credit limit after 6 months of responsible card use. A higher limit can help lower your credit utilization ratio (a key factor in your credit score).
Reports to All 3 Major Credit Bureaus Monthly
Capital One reports your account activity to Equifax, Experian, and TransUnion every month. Responsible use (on-time payments and low utilization) builds your credit history across all three bureaus.
$0 Fraud Liability Protection
You're not responsible for unauthorized charges if your card is lost or stolen.
Path to a Better Capital One Card
After demonstrating responsible use (typically 12-18 months), many Platinum cardholders are invited to upgrade to a Capital One QuicksilverOne or Quicksilver card, which earn cash back rewards.

Offer History

See past welcome bonuses to gauge whether the current offer is elevated.

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Offer Spend Req. Date
No Welcome OfferCurrent N/A This card has never had a welcome bonus

Advertiser Disclosure

Advertiser Disclosure katiestraveltricks.com has partnered with CardRatings for our coverage of credit card products. katiestraveltricks.com and CardRatings may receive a commission from our partners. American Express is a katiestraveltricks.com advertiser. We may earn compensation when you click on a link, when an application is approved, or when an account is opened. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. For Capital One products listed on this page, some benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Editorial Disclosure Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed, or approved by any of these entities. This content has not been provided or commissioned by any bank advertiser.

User Generated Content (UGC) Disclosure Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Points for normal people.

Advertiser and Editorial Disclosure
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