Capital One Platinum Card

Best for Bad Credit

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Why People Love it

  • Allows you to have a credit card even with bad credit; credit limit can increase after 5 months of on-time payments
  • Money Under 30 says it’s a “Great basic credit card with no annual fee for applicants with average credit”
  • Like many of the best Capital One credit cards on this list, there are no annual fees or foreign transaction fees


Application Process: More or less the same process as with the other best Capital One credit cards on this list—an easy online application.

Annual Fee: None, none, none! Isn’t it great?

APR: It’s 24.99%, regardless of your credit history.

Rewards and Redemption Options: Hate to break it to you, but there are none—besides the fact that you can use one of the best Capital One credit cards without a great credit history.

Bonus Offers: None, but many users are happy to have access to a credit card after a less-than-stellar past use history.

The main benefit of this credit card is the fact that it allows you to have a credit card even with bad credit. In a more general sense, it also offers the benefits of not having to pay an annual fee or foreign transaction fees while traveling.

This is a pretty no-frills credit card, so you’ll really only want to apply for it if you fit the bill of someone with lackluster credit history. It offers no rewards and a considerably high APR.

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