Capital One Classic Platinum Mastercard review

This card is no longer available, but you can use this page to compare alternatives.

As of July 2020, this card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to browse the range of credit cards currently available from Capital One and to compare similar cards from other issuers.

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Representative example: When you spend £1,200 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).

£200

Minimum credit limit

Up to 56 days

Interest-free each billing period

29.8%

Representative APR

£0

Account fee

Details

IssuerCapital One
NetworkMastercard
Annual/monthly fees£0
Minimum credit limit£200
Maximum credit limitSubject to status: £1,500
Purchases29.84%
Purchases interest-free period (days)56
Balance transfers29.84%
Additional cards available3

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Capital One specialises in cards designed for people with bad or no credit history. Known as “credit builders”, these can be a smart stepping stone product to credit cards or loans with better rates.

The Classic Platinum has the lowest rates of Capital One’s credit cards. There’s no annual fee and, as you might expect from a credit builder, opening credit limits are relatively low. However, keep up to date with all your card payments and your credit limit could be increased twice a year.

How does this card compare with other similar cards on the market?

Table: sorted by representative APR, promoted deals first
1 - 20 of 29
Name Product Annual/monthly fees Initial credit limits Minimum income Representative APR Incentive Link
Tymit Credit Card
£0
Min. limit £500, max. limit £15,000.
Not specified
22.4%
Representative Example: Rep. APR 22.4% (variable). This means for a purchase of £100 at 22.4% spread over 12 months, you'll pay a total of £111.39 (12 payments of £9.28). No annual fee.
Check eligibility
Vanquis Bank Chrome Credit Card
£0
Min. limit £150, max. limit £1,200.
Not specified
29.5%
Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).
Check eligibility
thimbl. credit card
£0
Min. limit £150, max. limit £1,200.
Not specified
39.9%
Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).
Check eligibility
Vanquis Bank Classic Credit Card Visa
£0
Min. limit £150, max. limit £600.
Not specified
39.9%
Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).
Check eligibility
Vanquis Bank Origin Credit Card
£0
Min. limit £150, max. limit £250.
Not specified
59.9%
Representative example: When you spend £250 at a purchase rate of 59.94% (variable) p.a., your representative rate is 59.9% APR (variable).
Check eligibility
Tesco Bank Foundation Card
£0
Min. limit £100, max. limit not specified.
£5000
27.5%
Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.
Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).
The Credit Thing card
£0
Min. limit £200, max. limit £1,500.
Not specified
27.9%
Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).
TSB Classic Credit Card Mastercard
£0
Min. limit £500, max. limit not specified.
Not specified
27.9%
Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).
Keebo credit card
Finder Award
Keebo credit card
£0
Min. limit £200, max. limit £5,000.
Not specified
27.98%
Representative example: When you spend £1,200 at a purchase rate of 27.98% (variable) p.a., your representative rate is 27.98% APR (variable).
Bip Credit
£0
Min. limit £250, max. limit not specified.
£5000
29.9%
Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
HSBC Classic Credit Card
£0
Min. limit £250, max. limit £1,000.
£6800
29.9%
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,000 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
Marbles Card
£0
Min. limit £250, max. limit £1,200.
Not specified
32.9%
You could get a credit limit increase after three months. Choose a monthly repayment date that suits you and change it up to twice a year.
Representative example: Assumed credit limit £1,200, representative 32.9% APR (variable), purchase rate 32.94% p.a. (variable).
Please note: you can’t have two Marbles accounts or open a Marbles account within 12 months of opening an Aqua, Fluid or Opus account, issued by New Day
Aqua Classic Credit Card
£0
Min. limit £250, max. limit £1,200.
Not specified
32.9%
Representative example: Assumed credit limit £1,200, representative 32.9% APR (variable), purchase rate 32.94% p.a. (variable).
Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day
Barclaycard Forward Credit Card
£0
Min. limit £50, max. limit £1,200.
£3000
33.9%
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).
118 118 Money Guaranteed Rate Card
£0
Min. limit £500, max. limit not specified.
£8400
34%
Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).
Wave Credit Card Mastercard
£0
Min. limit £100, max. limit £1,750.
£12000
34.7%
Representative example: When you spend £1,200 at a purchase rate of 34.7% (variable) p.a., your representative rate is 34.7% APR (variable).
Fluid Credit Card
£0
Min. limit £250, max. limit not specified.
£5000
34.9%
Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).
Zable credit card
£0
Min. limit £200, max. limit £1,500.
£9600
34.9%
Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).
Aqua Advance credit card
£0
Min. limit £250, max. limit £1,200.
£5000
34.9%
Reduce your rate over three years if you stay within your credit limit and pay on time. No extra fees on what you spend abroad.
Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).
Aqua Classic Balance Transfer Card
£0
Min. limit £250, max. limit £1,200.
Not specified
34.9%
Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable).
Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day
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Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Compare credit cards from Capital One

Table: sorted by representative APR, promoted deals first
1 - 4 of 4
Name Product Max. credit limit Purchases Balance transfers Representative APR Link Representative example
Capital One Classic Credit Card
£1,500
34.94%
34.94%
34.9%
Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).
Capital One Balance Transfer Mastercard
£8,000
0% for 3 months reverting to 34.94% (subject to eligibility)
0% for 6 months reverting to 34.94%
34.9%
Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).
Capital One Luma Purchase Mastercard
£1,500
0% for 3 months reverting to 35.94%
35.94%
35.9%
Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).
Capital One Luma Mastercard
£1,500
35.94%
35.94%
35.9%
Representative example: When you spend £1,200 at a purchase rate of 35.94% (variable) p.a., your representative rate is 35.9% APR (variable).
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Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (03444 812 812), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Capital One Classic Platinum Mastercard

If you have compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you will need to make the process as straightforward as possible.

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Our team evaluates credit cards to determine their value against similar products on the market.

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