Home › Credit cards › Compare › Credit One Platinum Visa vs Capital One Platinum

Credit One Platinum Visa vs Capital One Platinum

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: Credit One Platinum Visa 30.9%, Capital One Platinum 47.7%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Credit One Platinum Visa nets $57/yr, Capital One Platinum nets $0/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeVisa: 8.0 · Platinum: 10.0
Rewards rateVisa: 0.5 · Platinum: 0.0
Sign-up bonusVisa: n/a · Platinum: 0.0
Intro 0% APRVisa: 0.0 · Platinum: 0.0
Regular APRVisa: 3.1 · Platinum: 3.4
Foreign transaction feeVisa: n/a · Platinum: 10.0
Regulatory record (CFPB)Visa: n/a · Platinum: 10.0

Credit One Platinum Visa

IssuerCredit One
Typeno annual fee
Annual fee$39 (CFPB TCCP; issuer page did not render a clear fee) files.consumerfinance.gov, 2025-12-31
Regular purchase APR28.74%–30.49% variable files.consumerfinance.gov, 2025-12-31
Rewards0% base; 1% gas; 1% groceries; 1% utilities creditonebank.com, 2026-10-12
Sign-up bonus (≈$)not found creditonebank.com, 2026-10-12
Intro APRnone No intro APR shown creditonebank.com, 2026-10-12
Foreign transaction feenot found files.consumerfinance.gov, 2025-12-31
Penalty APRnot found consumerfinance.gov, 2026-10-12
Late feeup to $39 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance feenot found files.consumerfinance.gov, 2025-12-31
Credit needed≤619, 620–719 (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period24 days files.consumerfinance.gov, 2025-12-31
Cash advance APR32.49% files.consumerfinance.gov, 2025-12-31

Capital One Platinum

IssuerCapital One
Typeno annual fee
Annual fee$0 capitalone.com, 2026-10-12
Regular purchase APR29.24% variable capitalone.com, 2026-10-12
Rewards0% base capitalone.com, 2026-10-12
Sign-up bonus (≈$)$0 No bonus capitalone.com, 2026-10-12
Intro APRnone No intro APR shown capitalone.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feeup to $40 up to; Up to $29.00 for first late fee. files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededno credit score, ≤619 (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.74% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)29.49%–29.74% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

Credit One Platinum Visa30.9%
Credit One · no annual fee · limited data
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
Capital One Platinum47.7%
Capital One · no annual fee
Annual fee $0APR 29.24% variableRewards 0% baseCredit no credit score, ≤619 (CFPB TCCP targeted tiers)
⚠ APR up to 29.24% if you carry a balance · Late fee up to $40

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, Credit One Platinum Visa or Capital One Platinum?

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.