Enjoy free access to CreditWise®, real-time fraud alerts, and the convenience of contactless Tap to Pay all designed to make managing your finances easier and safer.
Is Capital One Bank (USA), N.A. good?
Capital One is one of the most trusted and innovative financial institutions in the United States, serving millions of customers nationwide. Known for its secure digital tools and customer-friendly products, it provides strong fraud protection and transparent account management.
With the Platinum Mastercard®, Capital One offers fair credit users a reliable way to build credit while maintaining control over their finances.
How this card works
The Capital One Platinum Mastercard® is a credit-building card with no annual fee. It’s accepted everywhere Mastercard is, and with responsible use, you can qualify for a credit line increase in as little as six months.
Cardholders also get access to CreditWise®, 24/7 support, and autopay tools making it one of the best starter credit cards for beginners with no credit history.
Requirements to apply for this credit card
- Must be 18 years or older
- Must be a U.S. resident
- Must have a valid SSN or ITIN
- Designed for fair or average credit (FICO 580+)
- Subject to credit approval by Capital One
Card fees (Capital One Platinum Mastercard®)
- Annual fee: $0
- Purchase APR: 29.49% variable
- Balance transfer APR: 29.49% variable
- Cash advance APR: 29.49% variable
- Foreign transaction fee: None
- Late payment fee: up to $40
- Returned payment fee: up to $40
Apply for your card online
- Visit the Capital One official website
- Check pre-approval (no impact on credit score)
- Complete the secure online application
- Get an instant decision
- Start using your new card immediately upon approval
Get approved today!
The Capital One Platinum Mastercard® gives you the tools and flexibility to build your credit while keeping your costs low. Whether you’re starting from scratch or rebuilding, this card helps you move forward with confidence.
Apply now and take the first step toward better credit with one of the best beginner credit cards in the U.S.