Best for Beginners
Capital One Platinum Mastercard®
Capital One
Intro Offer
No Welcome Offer
Annual Fee
$0
Recommended Credit
580–740
Poor - Good
Rewards & Earn Rates
1X
Travel
1X
Dining
1X
Grocery
1X
Gas
1X
Other
Not Included
TSA Pre✓
No rewards program
Why We Choose It
This is as basic as it gets, but that's not necessarily bad. If you're building credit or just need a simple backup card, the Platinum gets the job done without any fees.
More About the Capital One Platinum Mastercard®
A straightforward, no-frills credit card designed for those looking to build or rebuild their credit
Pros & Cons
Pros
- No Annual Fee
- No Foreign Transaction Fees
- Automatic Credit Line Reviews Every 6 Months
- Access to a Higher Credit Line with On-Time Payments
Cons
- No rewards program
- No welcome bonus
- Only basic benefits included
- Designed for building credit rather than earning rewards
See Rates & Fees (Terms Apply)
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