With no annual fee and a low variable interest rate, the Capital One Platinum Prestige credit card is great for consumers with flawless credit histories. Besides the 3% cash back reward, there are no other perks associated with the Capital One Platinum Prestige credit card.
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In order to qualify for the Capital One Platinum Prestige credit card, you need to have a high credit score. Consumers with poor repayment histories, recent bankruptcies, or limited credit history may not qualify. Like similar instant approval credit cards, Platinum Prestige applicants will be told if their applications are approved or denied, as well as their available credit limits over the web.
Capital One Platinum Prestige Credit Card Specs
Enjoy 0% APR interest rate for purchases and transfers through March 2015.
Even though there is a variable interest rate after the intro period, most cardholders pay between 10.9% and 18.9 % APR. Consumers are also able to get access to the roadside assistance program, and travelers are covered when they purchase their airline tickets with the Capital One Platinum Prestige credit card.
High interest and high interest credit card balances can be transferred to the Capital One Platinum Prestige credit card, however, some fees do apply.
The transfer fee is 3% of the amount transferred until March 2015. Cash advance fee is 3% of cash advance amount. Late payment fee is up to $35.
Capital One Platinum Prestige credit card accounts are serviced by MasterCard. This means that you can use your credit card with any merchant that accepts MasterCard.
Some additional specs include:
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
- 24-hour travel assistance gives you a replacement card and cash advance
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
Capital One Platinum Prestige Credit Card Restrictions
While it is not impossible to be approved for the Capital One Platinum Prestige credit card if you have a less than stellar credit rating, you will have a limited amount of credit. Your interest rate will likely be higher. Applicants that are not approved will be given the opportunity to review the exact reason why they were denied.
With balance transfer credit cards, users must pay on their accounts as soon as the first billing cycle is completed. Your payments may be lower, but you will need to make them on time in order to keep the 0% introductory interest rate.
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