Classic Platinum by Capital One

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at issuer’s secured site
no credit
intro purchase APR no intro offerregular APR20.90 - 20.90% (V)
intro BT APR 20.9% no BT fee

$39 annual fee

for no credit or average credit

20,9% APR

Editors Review

A card for average or no credit

Pros

  • No balance transfer fee
  • No foreign transaction fee
  • Available with no credit

Cons

  • Annual fee - $39 per year
  • No rewards and no sign up bonuses
  • High 20.9% APR on balance transfers and purchases

Verdict

A good card for people with no credit or previous problems in credit history. Good for building/rebuilding credit history. Not so good for carrying a balance. 

Slightly lower APR than on a Platinum credit card (20.9 vs 24.9%) for a grater annual fee ($39 vs. $19).

Last updated: 02/10/2015




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