Capital One Platinum

4.0

OUR RATING

Representative APR

29.8% APR (variable)

Purchases

29.84% (variable) p.a.

Balance Transfers

29.84% (variable) p.a. (3% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 29.84% (variable) p.a., most accepted customers get a rate of 29.8% APR (variable).

4.0

OUR RATING

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

The Capital One Platinum credit card may suit individuals with fair credit who are working to build or rebuild their credit profile. It offers a competitive APR relative to other credit builder cards, making it a potential option for those seeking to improve their credit standing over time.

Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.

Product Features & Benefits

Issuer	Capital One
Network	Mastercard
Primary Category	Credit Building
Loyalty Scheme
Incentive on opening	No annual fees
Cashback/Rewards (if applicable)	No cashback scheme
Account Fee	£0
Purchases	29.84% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	29.84% (variable) p.a. (3% fee)
Balance Transfer Fee	3.00%
Cash Advances	29.84% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 200.00
Maximum Credit Limit	Subject To Status: £1,500

Fees & Charges

Account Fee	£0
Late Payment	£ 12
Returned Payment	£ 12
Exceed Limit	£ 12
Duplicate Statement	£ 0
Replacement Card	£ 0
Trace Fee	£ 0
Cash Withdrawal Fee	3%
Cash Withdrawal Minimum Charge	£ 3
Foreign Usage EU	3%
Foreign Usage World	3%