Platinum Mastercard® from Capital One
Issued by Capital One
Rates verified June 2026
Welcome Bonus
No welcome bonus
Rewards Rate
1x points on all purchases
Annual Fee
No annual fee
Recommended Credit Score
fair
You'll be taken to the issuer's secure application
Rewards Program
1x points on all purchases
Welcome Offer
No welcome bonus
Annual Fee
No annual fee
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Everyday spending
Why We Recommend This Card
No annual fee — keep more of what you earn
CreditWise
Global emergency services
CreditWise
Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One. It’s free and available to anyone, whether or not you have a Capital One product.
Network benefits (Mastercard) — 7 standard protections
Global emergency services
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Mastercard ID Theft Protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer
Mastercard Transit Benefit
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Direct to the Issuer
The Apply button takes you to Capital One's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information