![]() ![]() If your credit score still needs some work to get into the "fair" range, there are still cards you might qualify for. Or, if you're a student, consider the Capital One SavorOne Student Cash Rewards Credit Card or Capital One Quicksilver Student Cash Rewards Credit Card, both of which earn rewards and come with a welcome bonus offer. There are other Capital One credit cards that only recommend a fair credit score but do earn rewards - for example, the Capital One QuicksilverOne Cash Rewards Credit Card earns 5% cash back on hotels and rental cars booked through Capital One Travel and 1.5% cash back on all other purchases. After six months, you'll automatically be considered for a credit line increase, which can potentially help boost your credit score by increasing the amount of credit available to you. That said, if your aim is to improve your credit score, the Capital One Platinum Credit Card does offer a useful feature. That might not matter to you if you're just starting out and are focused on building your credit history, but if you've already established a decent financial track record, you may want to look at one of the best rewards credit cards instead. If you're looking to earn points, miles, or cash back, you're out of luck - the Capital One Platinum Credit Card doesn't offer a welcome bonus and you won't earn rewards for your spending. Capital One Platinum Credit Card Review: Is It the Best Credit Card for You? Unlike some starter credit cards, the Capital One Platinum Credit Card doesn't charge an annual fee or add foreign transaction fees - and it's an unsecured card, so you don't have to put down a cash deposit as collateral. The Capital One Platinum Credit Card falls under this umbrella, and it's worth a look if you're new to credit. Fortunately, there are cards specifically geared toward those with average or "fair" credit - defined by FICO as a score in the 580–669 range. Whether you're a student with a limited credit history or someone who's bouncing back after some financial hiccups, getting approved for the best credit cards can be challenging. While it doesn't earn rewards or offer many benefits, it could be a good stepping stone in your credit journey - and you won't pay an annual fee or foreign transaction fees. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.The Capital One Platinum Credit Card is worth considering if you're new to credit or trying to improve your credit score. Check the data at the top of this page and the bank's website for the most current information.Ĭ credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. ![]() does not include the entire universe of available financial or credit offers.ĬCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.ĮDITORIAL DISCLOSURE All reviews are prepared by staff. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. The offers that appear on this site are from companies from which receives compensation. All Rights Reserved.ĪDVERTISER DISCLOSURE is an independent, advertising-supported comparison service. Copyright © 2023 a Red Ventures Company. ![]()
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