Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: Capital One Platinum leads by None pts. Scores: Capital One Platinum 47.7%, Credit One Platinum Visa 30.9%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Platinum nets $0/yr, Credit One Platinum Visa nets $57/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feePlatinum: 10.0 · Visa: 8.0
Rewards ratePlatinum: 0.0 · Visa: 0.5
Sign-up bonusPlatinum: 0.0 · Visa: n/a
Intro 0% APRPlatinum: 0.0 · Visa: 0.0
Regular APRPlatinum: 3.4 · Visa: 3.1
Foreign transaction feePlatinum: 10.0 · Visa: n/a
Regulatory record (CFPB)Platinum: 10.0 · Visa: n/a
Annual fee $39 (CFPB TCCP; issuer page did not render a clear fee)APR 28.74%–30.49% variableRewards 0% base; 1% gas; 1% groceries; 1% utilitiesCredit ≤619, 620–719 (CFPB TCCP targeted tiers)
⚠ $39 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 30.49% if you carry a balance · Late fee up to $39
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, Capital One Platinum or Credit One Platinum Visa?
On VaultRubric's rubric: Capital One Platinum scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.