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Capital One® Classic Platinum Credit CardQuick Summary:
This MasterCard offer is issued by Capital One. This card is intended for consumers, or "personal use" with a fair credit history. APR's may vary among applicants, however the lowest standard APR is 17.90%* and may be as high as 22.90%* (V), depending on your credit worthiness*.Important Rates:
There is a purchase introductory APR of 0.00% until 11/2012*. Be cautious that some card issuers may charge higher rates and fees for cash advances.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 5.4% to the U.S. prime rate.
There is an annual fee of 39* for this card. Rewards:
This is not a rewards card. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 638 is recommended for a higher chance of approval, but it is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the Capital One® Classic Platinum Credit Card is at least 25 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date. This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment. Approval Rate:
There were 55 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 93% of those applicants were approved.
The approval rate for this card is high. Furthermore, if your FICO score is close to or higher than 638, then your chance of approval may be even greater. Approval Time:
Approval time for this offer is not listed. You could expect a possible instant decision, but you should expect a final credit decision within 1-2 weeks. Offer Details: - 0% intro APR on all purchases until November 2012
- $0 Fraud Liability if your card is lost or stolen
- Enjoy Platinum benefits, including 24-hour roadside assistance and extended warranty protection
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Consumer Card Rate Comparison
| APR | 17.90%* - 22.90%* (V) | | Avg. APR | 15.86%** | | Annual Fee | $39* | | Avg. Annual Fee | $6.72** | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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