Standard Platinum Credit Card
from Capital One

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Capital One’s Standard Platinum credit card is for people with limited credit history or with poor credit and offers an introductory rate of 0% on all purchases for a limited period. Then the APR goes up to 19.8%, but is variable. There is no annual fee and a credit limit of up to $3,000.

Capital One(R) Standard Platinum
Annual Fee No Annual Fee
Application Fee --
Purchase APR As Low As 19.80 % , Variable
Balance Transfer APR 19.80 %
Balance Transfer Period Until paid in full
Introductory APR 0.00 %
Intro Period Until 06/30/2009
Card Type CreditBuilder
Grace Period 25 Days
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The rate information on this page is powered by Informa Research Services, Inc. © 2008, and was last updated 01/07/2009 3:05:39 AM . This information has been obtained from various financial institutions, and Informa Research Services cannot guarantee its accuracy. The information includes financial product data that was in the Informa Research Services database at the time of publication, and may not reflect all of the products available in your region. Before acting on the information shown on this page, contact the financial institution to verify the accuracy of the data. When contacting financial institutions, always mention FiLife.com to ensure you receive the preferred Internet rate. Contact pduncan@informars.com to have your rates included in this chart.

Standard Platinum Credit Card Reviews

4.0
Dec 18, 2008 9:46 pm

I have nothing bad to say about this credit card or Capital One. They have great customer service and when they know they messed up, they admit it quickly and take care of you. The interest rate on the card is a bit high but it is pretty much the standard. Something great though is that after a period of time Capital One will actually raise up your credit limit, given that you havent over burned the card.
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3.0
Dec 17, 2008 9:43 am

I've had my Capital One card for about 5 years now. It was great, as I was just going to college and got it as a back up originally, for emergencies. Now though, the interest rate still hasn't gone down after years of paying it on time. Compared to another credit card I have, I'd definitely go with the other one. Capital One's customer service is quick to get a hold of, but I honestly have such a hard time understanding anybody I talk to, and everything is so scripted it takes forever before they get through their scripted ads to actually talk with you. If you have poor credit, this is definitely a good option. There are just better cards out there.
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3.0
Dec 15, 2008 1:25 pm

Capital One's credit card services are great. The interest rates aren't all that great, but I usually pay off my bill every month. My roommate also has this card, and he hasn't had a problem with it either. They have excellent customer service and minimal finance charges.

4.0
Nov 25, 2008 6:21 pm

I got this card to help rebuild my credit rating. The interest rate is higher than I'd like, but I was aware of it going in. Since I got it, I've been able make good on payments, and they even raised my credit limit after having it for a year!

3.0
Nov 3, 2008 11:27 pm

The company is excellent with dealing with fraudulent charges, but the interest rate is high, and the phone operators are sometimes unpleasant and hard to understand.

4.0
Oct 15, 2008 6:16 pm

This card is ideal for anyone with a troubled credit history but is still looking for a flexible card. There is no interest applied to purchases in the first months, no balance transfer fees, and you get a generous stating credit limit.

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Provided by Informa 01.07.09