1/8
Message us
on WhatsApp
New Offer
$900 Cash Bonus
Back
cc_advertiser_disclosure cc_editorial_disclosure
f2a508f9-6dbb-4662-95df-636df673468a.jpg
Platinum Mastercard® from Capital One
Learn More
See Rates and Fees
message icon
Applying? Submit results
Score Needed: Fair
Platinum Mastercard® from Capital One
At a glance
Welcome Offer
Limited Time Offer
New Offer
All time high
Rewards
No items found.
X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
Annual Fee
$0
Platinum Mastercard® from Capital One
Application Tips
Get the best results with each application

Application Pending? Check your status by calling 1-800-903-9177 or 1-877-277-5901. Sometimes, all they need is a quick verification.

Thinking About 2 Cards?

Application Declined? If declined you can call 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error

Approval Rules: Capital One allows a maximum of 2 personal branded cards. Generally, you can be approved for one personal card every 6 months, though this rule may have some flexibility.

Limit Increase
Credit Inquires
No items found at this time
Experian (personal cards) or Transunion (business cards) - If you freeze your Experian report they will pull your TransUnion and Equifax credit report for personal cards as well.
Application Inquires
Welcome Offer Eligibility:
Downgrade Options
Getting your card
Rescore your report: Some have been successful in getting a balance update off cycle with Capital One by requesting a supervisor to submit an off-cycle request.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
Reward Terms
No items found.
No benefits found right now
Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your to any of the following Capital One Travel Partners.
Points Transfer Partners
Ratio
Transfer Partner
Transfer Time
Ends
Type
No transfer partners found
Fees
Fees you may encounter as a cardmember
See Rates and Fees
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
foreign_transaction_fee

card_name

Heading

Heading

Why We Like it

More

Considerations

More
f2a508f9-6dbb-4662-95df-636df673468a.jpg
Upgrade Your Wallet!
Platinum Mastercard® from Capital One Click learn more to see if you qualify
Learn More
links to card app page
Learn More

More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.
Additional resources
Travel & Shopping
Top 9 Cards for Online Shopping
links to article
Financial Planning
Why Every Business Should Have a Line of Credit
links to article
Financial Planning
Unsecured Line Of Credit. What It Is And How To Get One
links to article
Travel & Shopping
The 9 Best Cards for Online Shopping
links to article