This Capital One Platinum Mastercard® review will show you how to build your score without taking on the responsibility of a secured deposit.

This powerful card offers valuable perks and features that make it easier for you to start your credit. Keep reading to learn more!

The Capital One Platinum Mastercard® is a $0 annual and foreign transaction fee credit card that is great for credit building or rebuilding.

It comes with CreditWise from Capital One, which is a tool that helps you track your credit score, so you’ll always know where it stands.

This card also has a 30.74% variable APR for purchases, but you can avoid paying interest if you pay your balances in full and on time.

Still, you will be automatically considered for a higher credit line in as little as six months, which can help you build your credit even more.

The Capital One Platinum Mastercard® still offers fraud coverage and reports your payment history to all three credit bureaus in the US: TransUnion, Equifax, and Experian.

So, use credit with responsibility. Then you’ll be able to build a healthy and attractive score as soon as possible.

The Capital One Platinum Mastercard® is an excellent option for anyone looking to build their credit through responsible use of a credit card.

Let’s review its pros and cons so that you can decide if this card is a good pick for your finances.

The Capital One Platinum Mastercard® is designed for people who need to build or repair their credit score. So, it accepts applicants with an average credit score, which is very low.

Do you want to get a Capital One Platinum Mastercard® Credit Card? It could be a great way to improve your credit score and start enjoying the benefits of a good credit rating.

Applying for the Capital One Platinum Mastercard® is a quick and easy process.

To apply, you’ll need to provide basic personal information, such as your name, address, and date of birth. You’ll also need to provide your Social Security number and income information.

Still, it’s a requirement to be at least 18 years old and be an American resident. Once you’ve submitted your application, Capital One will review your credit history and decide.

You’ll receive a response in seconds and your Capital One Platinum Mastercard® Credit Card within 7-10 business days if approved.

The Capital One mobile app is a great way to manage your account: view your balance, make payments, and set up alerts to help you stay on top of your account activity.

However, you can not apply for a card with it. Instead, visit the Capital One website.

Both credit cards are good for building or rebuilding credit. The main difference is that the First Latitude Platinum charges a secured deposit.

Let’s see what each card has to offer in the comparison below.

If you’re more interested in getting the First Latitude Platinum Mastercard® Secured Credit Card, read our post below to learn about the application process!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.