Capital One® Platinum Credit Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Capital One® Platinum Credit Card
12 Reviews
Consumer Rating:
4.5
Lowest:
0
Average Score:
499
Highest:
660
All
5 Star
75%
4 Star
16%
3 Star
0%
2 Star
0%
1 Star
8%
1 Star 2 Star 3 Star 4 Star 5 Star
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Credit Score: 570 Credit Limit: 3000 Age: 45-54
Posted 05/03 2021
Overall Rating:
Sometimes, Capital One will be the only one to give you a chance when other banks or credit unions will not. Mine is a 3k unsecured card, but for people who can even get in with the secured card, if you treat Capital One well, they will treat you well. Use and pay your card regularly, and don't use it beyond what you can pay so you don't get intro trouble. I've had past credit problems and I'm not going there again. I'm relieved that Capital One saw my good payment history of the past 3 years and my rebuilding efoorts and not the terrible mistakes I made 3 years ago (and they were bad). Thank you for giving me another chance.
 
Credit Score: 575 Credit Limit: 500 Age: 25-34
Posted 09/19 2016
Overall Rating:
Had horrible credit score, a ton of student loans Also had some late payments, and derogatory marks on my credit report. Have to thank cap one for giving me a chance to rebuild. Got a $500 CL with a 575 score.
 
Credit Score: 650 Credit Limit: 500 Age: 18-24
Posted 09/19 2016
Overall Rating:
I had very little credit history. Score was about 650 when I applied. Was approved for $300. After 4 months, my limit was bumped to $500. If you have very little history, I would say that this is a great card to start off with.
 
Credit Score: 570 Credit Limit: 500 Age: 25-34
Posted 09/19 2016
Overall Rating:
Before I got this card, I had Cap One's secured got. Put in $500 as a deposit. After a year, I decided to give this card shot to get a true unsecured card. I was surprised to be approved with a $500 limit. My score was only about 570 I think when I got approved. I just to keep my utilization low, pay on time and keep my score inching up bit by bit. Thanks Cap One.
 
Credit Score: 545 Credit Limit: 300 Age: 25-34
Posted 09/19 2016
Overall Rating:
Had a 545 score (TU). Applied, got approved, $300 CL. Target is to rebuild and get a 700+ score in 2 years.

 
Credit Score: 598 Credit Limit: 500 Age: 25-34
Posted 09/19 2016
Overall Rating:
Have a score that is close to 600 but got two delinquent accounts that are 3 years old. Still got approved with $300 CL.
 
Credit Score: 645 Credit Limit: 500 Age: 35-44
Posted 09/19 2016
Overall Rating:
A divorce 8 years ago destroyed my credit and I have been living without credit for many years. Also have one paid off judgement that is still on my report.

But I decided that I need start to rebuild and despite a 645 score, I got approved for $500.
 
Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 09/19 2016
Overall Rating:
I have very little credit history. Just my school loans (but still in my grace period). I have an ok income and a fairly low rent. Got accepted with a $500 limit.

oh, score is about 700.
 
Credit Score: 0 Credit Limit: 640 Age: 25-34
Posted 09/19 2016
Overall Rating:
Both me and my spouse ran into credit problems and our scores took a big dive. We have had charge offs in our account. My score was 640 and I got approved for $900. After 5 payments, I got a CL increase. I just charge about $100 a month on the card and pay it off in full. May score has steadily improved and I hope to get to 700 soon.



 
Credit Score: 575 Credit Limit: 500 Age: 25-34
Posted 09/19 2016
Overall Rating:
Have the Cap One secured credit card but only with a $200 limit. I did not want to put down any more deposit and realize that I need a higher limit. I applied and got approved for $500. I will be canceling my secured card and getting back my deposit.

 
Credit Score: 660 Credit Limit: 1000 Age: 18-24
Posted 09/19 2016
Overall Rating:
Scores: 650 TU and 660 EQ.
1 paid collections in the past year.
CL=$1000 (which is quite a surprise for me)
 
Credit Score: 596 Credit Limit: 300 Age: 35-44
Posted 09/19 2016
Overall Rating:
Got divorced and credit score tanked. Got a secured card from a credit union and was looking for an unsecured card. After a bit of research, I decided to go for this. Got approved with a $300 limit. I am glad my good payment history with my secured card helped.