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Capital One Platinum Credit Card card art
Capital One · rewards

Capital One Platinum Credit Card

4.5 / 5
Cash back · Personal card

A solid card with great rewards.

Compare featured offers Read issuer terms

At a glance

Issuer terms
Welcome bonus
50,000 points
Spend $4,000 in 3 months
Annual fee
$95
Year-one and ongoing
Purchase APR
21.49% to 28.49%
No intro APR
FX fee
None
Rates accurate as of
Editorial

Our take

A solid card with great rewards.

Verdict

Pros & cons

Pros

  • Valuable welcome bonus
  • Flexible redemption options

Cons

  • Annual fee
  • Requires excellent credit
Earnings

Earn rates

CategoryRateNotes
All travel2x pointsOn travel purchases
All other purchases1x points
Benefits

Key benefits

Travel Credit

$50 Annual Hotel Credit

Fit

Who this is best for

  • Travelers
  • Dining enthusiasts
FAQ

Frequently asked questions

What is the Capital One Platinum welcome bonus?
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Does the Capital One Platinum charge an annual fee?
Yes. The annual fee is $95 every year.
Does the Capital One Platinum have a foreign transaction fee?
No. The Capital One Platinum charges no foreign transaction fee, so it works well for international purchases.
What APR does the Capital One Platinum charge?
The purchase APR is 21.49% to 28.49% variable.
Who is the Capital One Platinum best for?
Travelers. Dining enthusiasts.
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Capital One Platinum Credit Card

Spend $4,000 in 3 months
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Rates accurate as of May 15, 2026. Issuer terms.