Capital One Platinum for average or no credit

intro purchase APR no intro offerregular APR24.99 - 24.99% (V)
intro BT APR no intro offer no BT fee
no credit required
  • no annual fee
  • for average or no credit
  • high 24.99% APR

Editors Review

A card for average or no credit

Pros

  • You can apply even with no credit history
  • No annual fee
  • No balance transfer fee
  • No foreign transaction fee

Cons

  • No rewards and no sign up bonuses
  • High 24.99% APR on balance transfers and purchases

Verdict

With no credit at all or with problems in your previous credit history, you do not have a lot of options. Capital One Platinum card and its versions are good options compared to secured credit cards. This card doesn’t have any rewards, no sign up bonus, but it is a real credit card that reports to major credit bureaus and helps you to build a credit history.

Last updated: 01/27/2017




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