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Friday, October 23, 2026 Independent since 2026. We are not a lender.

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Capital One Platinum Credit Card: annual fee, APR and rewards

Fact sheet for the Capital One Platinum Credit Card, issued by Capital One, with no annual fee. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Capital One
Network	Mastercard
Annual fee	$0
Rewards	No rewards
Purchase APR	29.24% variable APR
Balance transfer fee	4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Foreign transaction fee	None
Credit level	Fair

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 29.74%, with a range of 29.49% to 29.74%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.

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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. capitalone.com/credit-cards/platinum · disclosures.capitalone.com/disclosure.41679.en-US.html · card-apis.capitalone.com/protected/149354/product

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