: Platinum mastercard benefits capital one
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Fidelity® Rewards Visa Signature® Card
We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.
Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.
To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on mynewextsetup.us and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on mynewextsetup.us Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2, Points.
Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed College Savings Plan accounts. The ability to contribute to an IRA or college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call FIDELITY ().
5. Certain restrictions apply to each benefit. Details accompany new account materials.
Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.
8. Fidelity Rewards+ generally requires $, invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.
"Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.
Google, Google Pay and the Google Logo are trademarks of Google LLC.
© Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.
© The Kiplinger Washington Editors. Used under License.
Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.
The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
Fidelity® and Elan Financial Services are separate companies.
Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.
Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, Salem Street, Smithfield, RI
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Ultamate Rewards Credit Card
1Valid one time only. Duplicate offers will not be accepted. Excludes gift cards and prior purchases. If approved online, you must be opted into Ulta Beauty emails to receive the 20% off coupon.
2Click here for important rate, fee, and other cost information.
3Mentioned earning based on Base Member level. Offer is exclusive to Ultamate Rewards® or Ultamate Rewards® Mastercard® credit card holders enrolled in the Ultamate Rewards® program. This rewards program is provided by Ulta Beauty® and its terms may change at any time. For full Rewards Terms and Conditions, please see mynewextsetup.us
4Mentioned earning based on Base Member level. Offer is exclusive to Ultamate Rewards® Mastercard® Credit card holders enrolled in the Ultamate Rewards® program.
5Valid one time only. Offer is exclusive to Ultamate Rewards® Mastercard® Credit card holders enrolled in the Ultamate Rewards® program.
Credit Card offers are subject to credit approval.
Ultamate Rewards® Credit Card Accounts are issued by Comenity Capital Bank.
Ultamate Rewards® Mastercard® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
The Benefits of Using a Credit Card
Credit cards have, somewhat unfairly, developed a reputation as an easy way to pay for something when you may not have the money to do it upfront.
In reality, they’re so much more than that when you use them right. A cash back card, for example, may allow you to save a few cents per dollar on purchases you’d be making anyway. And if you consistently pay off your balance in full by the statement closing date, you’ll never have to pay a penny of interest.
Other advantages of using a credit card include, but aren’t limited to:
- Unlike debit cards, credit cards let you build a credit history
- Credit cards provide better security features in the case of fraud or a stolen card
- Points and miles earned can often be redeemed for valuable flights, hotel stays, and other rewards
- Some cards include unique, valuable benefits, from airline statement credits to meal delivery memberships and beyond
So, credit cards have a clear leg up over other payment options, like debit cards.
Here’s a realistic example.
Imagine that you’re about to purchase a brand-new TV online. You could pay for it via debit, or you could whip out a rewards credit card to earn some points or cash back, and then pay that balance right after to keep interest at bay.
A 2%–3% reward rate (for example) may not sound like much, but if you’re dropping, say, $ on the TV, 2% gets you $13 off the full price. Not bad.
Unfortunately, things quickly take a turn for the worse. You get your TV, set it up, and everything works perfectly…until you knock it over and shatter the display. You’re frustrated, because you didn’t purchase a protection plan, and user damage isn’t covered by the TV’s warranty.
There’s another option, however. You remember that you bought the TV with your credit card, and you check its Guide to Benefits — sure enough, it’s right there: Purchase Protection. You submit a claim through your credit card, and you’re reimbursed. Problem solved.
This might sound too good to be true, but purchase protection is just one example of the numerous benefits you may not even know your credit card provides.
Oftentimes, credit cards include benefits that are not only useful, but can provide hundreds of dollars (or more) in additional value.
Here, we’ll dig deeper into what types of benefits your credit card might deliver, and how those perks tend to work.
What Are Credit Card “Benefits”?
Credit cards typically come with benefits, which are extra features that may:
- provide protections on purchases, like extended warranties on electronics
- offer insurance or special access while traveling, like collision insurance on rental cars or airport lounge access
- make your life easier, like concierge services to help you buy tickets or book reservations at restaurants
These benefits are often not advertised as much as features like cash back rewards, miles, introductory offers, and interest rates, but they can be very valuable even if they are largely ignored by many cardholders. In fact, many cards, particularly premium travel rewards credit cards, deliver benefits worth hundreds of dollars or more a year.
Visa, Mastercard, American Express, and Discover all offer a suite of benefits to accompany their cards, but they can vary depending on the card. Some card networks offer different benefits with different tiers. For example, some Visa cards come in both Visa and Visa Signature version, while Mastercard offers Platinum Mastercard, World Mastercard, World Elite Mastercard, etc. Higher levels provide more valuable benefits.
The issuer of the card may also provide some benefits. For example, a Visa card issued by Capital One may have some or all of the benefits Visa offers. It could also have some other benefits provided by Capital One.
It’s important to read the Guide to Benefits that comes with your credit card so you fully understand the range of benefits that come with your card so you can get the most out of it.
Below you’ll find an approximate listing of the benefits provided by Visa, Mastercard, American Express, and Discover. Keep in mind that any particular card may not come with the full range of features; benefits often vary based on which type of card you’re using. It’s always good to call the number on the back of your card if you have any questions about your card’s benefits.
Examples of Credit Card Benefits
Here are some of the major types of benefits to look for on credit cards you already have or while you’re shopping for a new card.
Credit Card Shopping Benefits
Shopping benefits are meant to increase your confidence and sense of security while shopping, offering you the chance to get your money back if you find lower prices, if the item breaks, or if you need to return it. The details of any particular benefit will change depending on the card.
Price protection services are designed to help you save money. If you buy an item which is later advertised for a lesser price, you can be reimbursed for the difference in price. Different cards will have different limits on the amount of money that can be refunded for an individual purchase or a total amount that can be refunded in an year. These services are usually available for 60 to days after the initial purchase is made.
Purchase protection services provide insurance in case your eligible purchase is damaged or stolen. Items are usually covered for around 90 days. This service will have a dollar limit per item, from a few hundred to as much as one thousand dollars or more, as well as an annual dollar limit.
With cards that offer return protection, eligible purchases can be returned for a refund even if the retailer refuses to take them back. This benefit usually has a time limit of around 60 days from the date of purchase, and a dollar limit per item and per year.
Many cards offer an extended warranty for eligible purchases. When this service is activated, a manufacturer’s warranty can be extended, which usually takes the form of a doubling of the original warranty’s length. This is typically limited to 1 additional year.
Event Ticket Protection – American Express
This is a shopping benefit offered regularly by American Express. Cardholders who purchase a ticket that can no longer be used for an eligible reason can be refunded up to $1, twice per year.
Complimentary ShopRunner Membership – American Express
This benefit is offered to higher-end American Express cardholders. The ShopRunner service will provide free 2-day shipping and free return shipping on a wide variety of eligible items.
Cash at Checkout – Discover
All Discover cards come with this benefit, which functions much like the cash-back option for debit cards. When making a purchase at participating retailers, cash-back can be obtained immediately from the cashier. Any cash taken this way will count as a purchase.
Rental Car Insurance
Automatic accident coverage can be a great perk, saving cardholders the extra fee (around $30 a day) for the additional insurance offered by a rental car company. Of course it is important to read the fine print first since there are always restrictions and exclusions with insurance coverage.
For example, many card issuers do not offer rental car insurance coverage for certain vehicle types like campers, trucks, or SUVs. You’ll also probably need to decline the rental company’s own insurance for the credit card insurance to kick in.
It’s possible to rent a car with a debit card, but there are plenty of reasons why you should choose a credit card instead (and complimentary insurance coverage is one of them).
Mobile Phone Insurance
Some credit card issuers offer cell phone replacement insurance to their customers. When the perk is offered it typically covers the replacement cost of a new mobile phone in the event of damage or theft. In order to be eligible for the coverage most credit card issuers require that a cardholder pay his monthly mobile phone bill with his credit card.
Keep in mind that there is usually a cap on the coverage (generally around $) and most cardholders will still have to pay an out-of-pocket deductible fee of around $ Additionally, a mobile phone is not generally eligible for coverage if it’s lost.
How to Make a Claim to Get Credit Card Benefits
When making a claim, you should begin by giving the card company’s customer service line a call. The customer service representative will likely then direct you to a third-party insurance provider to process the claim.
Depending on the type of claim, you will generally have to begin by filling out a claim request and providing proof of eligibility (i.e. a broken mobile phone, a police report filed for a stolen phone, proof of purchase, receipts, etc.).
Additionally, keep in mind that you’ll have to be patient when filing a claim for coverage or reimbursement. The process of successfully filing a claim and being reimbursed can often take several months.
Personal Visa credit cards typically come in three different tiers — traditional Visa (or Visa Platinum), Visa Signature, and the premier Visa Infinite. Visa Signature cards include all traditional Visa benefits plus additional perks, and Visa Infinite includes Visa Signature’s offerings with Infinite-exclusive additions.
Higher Visa tiers may also provide increased coverage amounts for benefits introduced at lower tiers.
Visa Traditional/Visa Platinum
Apple Pay Contactless Payments
Visa cards can be loaded into the Apple Pay software and used to make contactless payments with an iPhone 6.
Cardholder Inquiry Service
A toll-free service line for general inquiries: (current as of September 29th).
Travel and Emergency Assistance Services
Provides assistance and referrals with tasks like arranging for emergency transportation or sending messages, replacing tickets, or finding lost luggage.
Auto Rental Collision Damage Waiver
Provides coverage for rented vehicles against collision and theft, as long as the car rental company’s own insurance is declined.
A referral service for emergency roadside services, such as towing, jump-starts, locksmiths, or fuel delivery. Service calls cost $
Extended Warranty Manager Service
Products with a manufacturer’s warranty of 3 years or less can be registered for to be doubled, up to 1 additional year.
Zero Liability for Fraudulent Charges
Any suspicious or unfamiliar charges on the account can be reported and will be resolved appropriately.
Year-End Summary Statement
A detailed report of yearly spending, organized by category.
Emergency Card Replacement and Emergency Cash Disbursement
Call Visa Global Customer Care Services toll-free to have your card replaced or receive an emergency cash advance.
Visa Signature Benefits
Visa Signature Concierge
Provides personal assistance with business, restaurant, and travel reservations and recommendations, as well as trip-planning services.
Visa Signature Luxury Hotel Collection
Perks include a best available rate guarantee, automatic room upgrades when available, and more, at more than hotels around the world.
Travel Accident Insurance
Provides automatic accident insurance for the cardholder and his or her family
Eligible purchases are covered for up to 90 days against theft, fire, vandalism, certain weather conditions, and accidentally discharged water, up to $ per item.
Lost Luggage Reimbursement
Checked and carry-on luggage is covered against loss or theft, when traveling by common carrier.
Visa Infinite Benefits
Visa Infinite Luxury Hotel Collection
Enjoy various benefits, including complimentary breakfast, upgrades, and unique amenities, at eligible hotels.
Visa Infinite Concierge Services
Get round-the-clock assistance with dinner reservations, attraction recommendations, entertainment tickets, travel planning, and more.
Global Entry Statement Credit
Use your Visa Infinite card to pay the $ Global Entry application fee, and get a $ statement credit that covers it.
Visa Infinite Car Rental Privileges
Booking with a Visa Infinite card gets you VIP treatment with Avis, Hertz, National, and Silvercar.
Priority Pass Lounge Access
Relax at more than 1, Priority Pass airport lounges around the world.
Book an eligible itinerary for two to five travelers, and get a $ discount.
Airline Incidentals Statement Credit
Receive rebates for checked luggage charges, in-flight purchases, and other air travel fees.
Fine Wine and Food
Access unique experiences featuring renowned chefs and winemakers.
Save on golf spending with Troon Rewards.
Visa Infinite Chauffeured Car Service
Use GroundLink chauffeured black car service at a discounted rate.
There is the standard personal Mastercard, followed by the Gold level, followed by the Platinum level. Next are the World Mastercard and then the luxury-class World Elite Mastercard.
The highest, most exclusive tier is the Mastercard Black. The higher levels include the benefits of the lower levels.
To learn the specific benefits that come with your Mastercard, you can call MC-ASSIST () or contact the issuer of your card.
Standard Mastercard Benefits
Apple Pay Contactless Payments
Mastercards can be loaded into Apple Pay and used to make contactless payments with an iPhone 6 or newer.
Mastercard Global Service™
Available when traveling in a foreign country, includes Lost/Stolen Card Reporting and Replacement, Emergency Cash Advances, and information on ATM locations.
MasterTravel™ Travel Accident Insurance
Provides coverage for the cardholder, spouse, and dependent children under 18 against accidental death and dismemberment while traveling as a passenger by common carrier on land, air, or sea.
Identity Theft Resolution Services
Provides assistance in the event of identity theft, including contacting credit bureaus and issuing an ID Theft Affidavit.
Zero Liability for Fraudulent Charges
The cardholder will not be held liable for any fraudulent charges that are posted to the account.
Access to the Fuel Rewards Network
Cardholders can join the Fuel Rewards Network by linking their Mastercard to the network. Using the card at certain locations or for certain types of purchases will earn rewards in the form of discounts on gas purchases from participating gas stations.
If a newly-bought item is found being advertised for a lower price within 60 days of purchase, a reimbursement may be awarded for the difference in price.
Will double the U.S. manufacturer’s original warranty on eligible items, as well as a service contract or optional extended warranty, where each is no longer than 12 months.
Gold Mastercard Benefits
Provides coverage for rented vehicles against physical damage and theft, as well as some reasonable associated cost. This will only apply if the car rental company’s own insurance is declined.
Provides emergency services for the cardholder, spouse, and dependent children of 25 years old and younger when traveling at least miles from the cardholder’s city of residence. Services include transmitting urgent messages, finding and redirecting lost luggage, and emergency medical and legal referrals.
Platinum Mastercard Benefits
Provides non-emergency assistance, including services like making reservations with transportation and sight-seeing services, getting tickets to sports and cultural events, and Finding hard-to-find gifts and arranging deliveries.
Provides coverage up to $25, for eligible medical expenses when traveling by common carrier outside of the country. Eligible expenses include Emergency Family Travel Costs, Emergency Medical Evacuation, Hotel Convalescence Costs, and Repatriation of Remains.
If a retailer will not accept the return of an item within 60 days of purchase, a refund may be available up to $ per item.
Provides coverage for eligible items against damage or theft, up to 90 days after the date of purchase.
World Mastercard Benefits
Provides access to exclusive opportunities in big cities around the world, such as one-on-one classes with world-class chefs, guides to the best beaches for snorkeling, and invitations to exotic shows.
World Travel Experiences And Offers
Provides travel advice and guides by region, as well as access to special discounts.
Airport Lounge Access
Provides membership access through Priority Pass™ to over lounges in over countries. Cardholders will still need to pay a fee for each visit to a lounge.
Mastercard Airport Concierge™
Upon request, will provide a Meet & Greet escort to make passing through an airport easier. Possible services include being moved more quickly through security checkpoints, assistance with carrying baggage, and arranging for transportation. This service comes with a fee, and Mastercard holders receive a 15% discount. Available in over airports around the world.
If a newly-bought item is found being advertised for a lower price within days of purchase, a reimbursement may be awarded for the difference in price.
Trip Cancellation Insurance
Provides reimbursement for nonrefundable charges if a trip with a common carrier is interrupted or cancelled.
Baggage Delay Insurance
Provides reimbursement for the purchase of essential items if baggage is delayed when traveling by common carrier.
Lost or Damaged Luggage Insurance
Provides reimbursement for the cost of replacing or repairing checked or carry-on luggage, when traveling by common carrier.
Hotel/Motel Burglary Insurance
Provides reimbursement for personal property stolen from a hotel or motel room, when the room is purchased entirely with a Mastercard.
World Elite Mastercard Benefits
World Elite Luxury Travel Benefits
A suite of luxury travel services, including guides to hotels and resorts, airlines, cruises, tours, chauffeured cars, private jets, and other special offers.
Personal Travel Advisor
Professional travel advisors are standing by 24/7, ready to provide advice on a variety of high-quality international vacation destinations.
Mastercard Global Service Premium
Provides a higher level of service than the standard Mastercard Global Service.
Get $10 in Lyft credits per month when you take five rides and pay with your card.
Get 5% cash rewards on eligible mynewextsetup.us purchases.
Enroll in Fandango VIP for free to earn Fandango VIP+ points per ticket, enough for a $5 reward.
Enroll in ShopRunner to get free two-day shipping and returns at participating online retailers.
Get a 10% discount on onefinestay bookings, plus free WiFi and a complimentary iPhone (with free local calls and data) to use during your stay.
Includes all of the services of the lesser MasterAssist programs, as well as coverage for cardholders up to $25, and dependents up to $15, Also includes Baggage Loss Insurance up to $1,, Trip Cancellation up to $1,, and Trip Delay Insurance up to $
More than just a concierge service, the personal assistant will also be able to complete tasks like pet care, dry cleaning, business and travel reservations, etc.
Priority Pass™ Airport Lounge Access
Includes access to over lounges in over 75 countries.
All Discover cards come with the following set of benefits.
Standard Discover Benefits
FICO Credit Scorecard
Check your FICO Credit Score for free whenever you’d like, based on your TransUnion credit report.
Spend Analyzer Tool
A set of tools and services to understand and manage finances.
Discover Mobile App
A mobile app to manage accounts, search transactions, and explore and redeem credit card rewards.
Multiple Card Designs to Choose From
A new card design can be chosen at any time, for free.
Cash at Checkout
Cardholders can specify a cash amount to receive when checking-out at participating retailers, which will be counted as a purchase. Participating retailers include Army & Air Force Exchange, Bristol Farms, Dollar General, Pay Less, Safeway, and Spartan Stores.
$0 Fraud Liability
Cardholders are not held responsible for fraudulent charges. If suspicious activity is detected, alerts will be sent through text, phone, or email.
Proactive card monitoring for fraudulent and suspicious activity.
Free Overnight Card Delivery
If your card is lost or stolen, you can get a new one shipped to any U.S. street address.
Temporarily freeze your account to prevent new purchases or other activities.
Social Security Number Alerts
Monitors thousands of risky websites for fraudsters using your SSN.
New Account Alerts
Notifications of new credit cards, mortgages, or other loans on your Experian credit report.
American Express Benefits
The exact benefits that come with an American Express card will vary; check with your issuer to learn the specific benefits that come with your card.
Basic American Express Benefits
Event Ticket Protection Plan
If a purchased ticket can no longer be used for an eligible reason, reimbursement is available up to $1,, twice per year.
Purchases are covered against damage and theft, up to $1, per item and $50, per year, for up to 90 days after the date of purchase.
If a merchant won’t take an item back, Return Protection will provide up to $ per item and $1, per year, for up to 90 days after the date of purchase.
Eligible items can have their warranties extended for up to 1 year, on warranties of 5 years or less.
Cardholders aren’t held responsible for fraudulent charges.
Dispute Resolution Services
American Express will work to resolve cases of unrecognized and potentially fraudulent purchases, including negotiating with merchants if necessary.
Global Assist® Hotline
Provides travel information for trips, and offers services like emergency card replacement and cash advance, lost luggage assistance, and medical and legal referrals.
When more than 50 miles from home, provides services such as towing up to 10 miles, jump starts, flat tire change, and lockout service. Cardholder must pay for any third-party charges incurred.
Travel Accident Insurance
Cardholders are covered for accidental death and dismemberment when traveling by common carrier.
Baggage Insurance Plan
Provides coverage if checked or carry-on baggage is lost, stolen, or damaged.
Car Rental Loss and Damage Insurance
Provides insurance against damage and theft of rented vehicles, as long as the car rental company’s own insurance is declined.
Employee Card Misuse Protection
If an employee misuses their business credit card, provides coverage up to $,
Premium American Express Benefits
Provides assistance with non-emergency tasks, such as hotel and business reservations, gift research, and special event planning. See a Reddit AMA with a former American Express concierge here.
Provides valuable discounts and offers on shopping, dining, and entertainment.
Platinum Dining Program
Includes more than 1, premier restaurants around the world. Consultants will go over menus and wine lists, and can make special arrangements like preparing for a group or setting tables with flowers.
Preferred Seating Program
Provides presale tickets and access to the best seats for sports, concerts, live venues, and other entertainment.
Provides exclusive access to presales of tickets to sports, concerts, and cultural events.
Complimentary ShopRunner Membership
Provides free 2-day shipping and free return shipping on eligible items.
Airport Lounge Access
Provides access to The Centurion Lounges and Delta Sky Clubs. Cardholder must pay a fee to access any individual lounge.
Airline Service Charge Credit
Provides some reimbursement for in-flight refreshments, checked baggage, oversize baggage fees, and other services.
Complimentary Benefits and Discounts at Fine Hotels and Resorts
Platinum Travel Services
Provides 24/7 assistance with the development of custom itineraries and other travel guide services.
Premium Private Jet Program
Includes charter and pre-paid membership options, as well as special benefits and discounts.
The Limousine Program
Provides chauffeured transportation; cardholders will earn 2 extra rewards points per dollar spent on limousine purchases.
Car Rental Privileges
Provides special amenities upgrades, as well as bypasses time spent waiting in line.
Provides discounts and upgrades with eligible cruise lines.
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Capital One Platinum Credit Card Review
Capital One Platinum Credit Card
A great credit score can make a huge difference in how much borrowing power you have and what kind of interest rates you’ll pay on loans.
Opening a credit card account and using it wisely is an easy way to grow your score over time.
The is designed for people who have fair credit and want to work their way towards a better score.
This card comes with tools to help you monitor your credit and members are rewarded for their good payment history with higher credit lines.
MyBankTracker has taken a closer look at the Capital One Platinum MasterCard’s pros and cons.
Keep reading to learn whether it’s a good choice if you’re ready to raise your credit rating.
Go from average credit to excellent credit with no annual fee
Capital One Platinum Card Pros & Cons
On the credit scoring scale, average credit puts you right in the middle of the pack between at the low end and a perfect at the high end.
According to Equifax, the average credit would be a FICO score that falls between and
That’s generally good enough to qualify for a mortgage or other types of credit so why should you set your sights higher?
It’s simple. The better your score, the less you’ll pay in interest on what you borrow. Here’s an example of how much money a higher score can save you:
Example of how much money a higher score can save you
|Borrower A||Borrower B|
|FICO score:||FICO score:|
|Mortgage loan: $,||Mortgage loan $,|
|Interest rate: %||Interest rate: %|
|Total interest paid: $,||Total interest paid: $,|
|Total savings: $39,|
As you can see, a difference of less than one percentage point saved Borrower B nearly $40,
The is aimed at helping people who fall into the average credit category break into the excellent range so they can qualify for better rates.
Capital One Platinum MasterCard credit score tools
When you sign up for this card, you get free access to CreditWise, Capital One’s credit monitoring service. Members can see their TransUnion VantageScore at no charge each month.
This score is based on information in your TransUnion credit report, such as your payment history, how much debt you owe and how often you apply for new credit.
Besides CreditWise, you’re also part of the Credit Steps program. With this program, you’re eligible to have your Capital One Platinum MasterCard credit limit increased after making your first five payments on time.
That can help your score because it improves your credit utilization, which is how much debt you have versus your total credit line.
Here are some quick tips to help you get the most out of these Capital One Platinum MasterCard benefits:
Always pay your bill on time
Payment history makes up 35% of your FICO credit score. Late payments can hurt your score big time so make sure you pay by the due date each month.
Keep your balance to a minimum
30% of your FICO is based on credit utilization, which we explained earlier. If you want to see a positive change in your score, try to keep your balance as low as possible.
Doing these two simple things can add big points to your score
If you’re worried about paying late, sign up for personalized reminders so you always know when your next payment is coming up.
Capital One Platinum MasterCard Annual Fee
Capital One charges annual fees for some of its credit cards but no annual fee for the Capital One Platinum MasterCard.
There’s also no fee for balance transfers or foreign transactions when you use your card to make an international purchase.
You’ll pay a little extra for cash advances, however. The fee for that is $10 or 3% of the advance amount, whichever is greater. There’s also a late fee of up to $40 that kicks in if you miss a payment.
Enjoy hassle-free travel and shopping with Capital One Platinum MasterCard benefits.
Besides being a useful tool for building credit, the Capital One Platinum MasterCard comes with some nice added features.
For example, Capital One keeps an eye on your account 24/7 to look out for suspicious activity. They’ll give you a heads up if they spot anything that looks out of the ordinary.
You also have the flexibility of being able to pick your own due date and set up the Autopay feature for free.
This card has an EMV security chip for in-store shopping protection but you can easily link it to Apple Pay.
Capital One’s customer service is available 24/7 so you can always get help with your account when you need it. To make things easier, you can monitor your account online through the Capital One mobile app.
How being a Capital One Platinum MasterCard member really pays off
In addition to the benefits offered by Capital One, members get a laundry list of Capital One Platinum MasterCard perks, including:
- Extended warranty protection
- Price protection and reimbursement
- Identity theft resolution services
- hour roadside assistance
- hour travel assistance
- $, in travel accident insurance
- Car rental damage insurance
While this card doesn’t pay out any travel miles, points or other rewards, it’s still a good pick if you spend a lot of time on the road.
No foreign transaction fee, for instance, means traveling overseas won’t cost you anything extra. The other travel features are also pretty generous.
For example, MasterTrip helps with figuring out visa or passport requirements and currency exchange rates if you’re headed to a foreign country.
If your luggage gets lost or stolen, MasterTrip will help you track it down. They don’t, however, reimburse you for any lost luggage costs.
This card covers you if you become ill or you’re hurt in an accident.
Aside from providing $, in travel accident insurance, MasterCard will help you find a physician, fill prescriptions and they’ll even arrange for a relative or friend to be brought to wherever you are if you’re hospitalized.
Those kinds of benefits can come in handy on trips that require you to travel more than 50 miles from home.
Watch out for the higher APR on purchases, transfers and advances
The can help you boost your credit score but there’s a potential downside to keep in mind where the APR is concerned.
The APR, or annual percentage rate, is a measure of how much a particular credit costs over the course of a year if you carry a balance.
A card with a higher APR means you’ll shell out more in interest charges if you don’t pay in full every month.
With this card, the regular APR for purchases, balance transfers and cash advances is steep.
There’s no 0% introductory promotion so you’re stuck paying that rate right off the bat. It’s also worth mentioning that the rate is variable, which means it can go up or down over time as the prime rate changes.
If you’re going to get this card, only charge what you can afford to pay in full each month. Otherwise, you’re going to end up paying a premium on everything you spend.
Final verdict: Is Capital One Platinum MasterCard good if you have average credit?
Average credit isn’t a dealbreaker when it comes to getting approved for loans or credit cards but it will only take you so far.
The is one MyBankTracker would recommend if you’re tired of being stuck in the average credit rut.
The two biggest downsides to this card are the higher APR and the lack of a rewards program.
If your goal is paying less in interest or earning money back on what you spend, you’re probably better off looking into a different option.
Ultimately, this card stands to benefit people who are committed to getting their credit score on the right track and are able to pay their balance in full and on time every month.
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Capital One Platinum Credit Card Review Build Your Credit
The Capital One Platinum Credit Card is a no-frills, no-annual-fee credit card designed for consumers who wish to build their credit. Although its not a secured credit card and thus doesnt require an upfront deposit, it has a fairly high regular APR and comes with a low initial credit limit. However, when used responsibly, Capital One Platinum is a useful bridge to higher spending limits and more generous rewards credit cards.
Capital One Platinum is comparable to other unsecured credit cards for consumers with average credit, including Capital Ones own QuicksilverOne Cash Rewards. It also competes with a host of secured credit cards designed to build and improve credit, including the Capital One Secured MasterCard and the BankAmericard Secured Credit Card.
Its important to note that this card is stripped-down and devoid of many of the perks that more generous credit cards offer as a matter of course, such as cash back or travel rewards and early spend bonuses. However, that doesnt mean its not a potentially game-changing card for people who need to improve their credit standing.
These are the key features of Capital One Platinum.
Credit Line Increase
If you use your card responsible, youll be automatically considered for a credit limit increase in as little as six months. Further credit line increases are possible with continued responsible use.
This card has no annual fee, balance transfer fee, or foreign transaction fee. The cash advance fee is the greater of $10 or 3%.
Capital One CreditWise
Thanks to Capital Ones CreditWise suite, youre entitled to a free credit score with your paper or online statement each month. You can also access your score at any time in your online account dashboard. Additionally, CreditWise includes a host of credit-building tools and educational content.
The Platinum card is for consumers with fair credit and is actively marketed as a tool for building credit. Even if your credit history is checkered or spotty, youre welcome to apply.
Heres what Capital One Platinum has going for it.
- No Deposit Required. The Capital One Platinum Card doesnt require an upfront deposit to secure your account. Thats a big advantage relative to secured competitors, some of which require $ (or greater) minimum deposits before you can use your card. Most also cap your spending at the deposited amount, forestalling the possibility of a credit line increase until you scrounge up more funds.
- No Annual Fee. This card has no annual fee. Many of its closest competitors, including the BankAmericard Secured Card and the Citi Secured Mastercard, do carry annual fees.
- No Balance Transfer Fee or Foreign Transaction Fee. Capital One Platinum doesnt charge balance transfer fees or foreign transaction fees rare perks in the credit-building category. Thats great news for cardholders who wish to transfer balances from other cards or use their Platinum cards outside the U.S.
- No Penalty APR. This card doesnt carry a penalty APR, which is an excellent benefit if you occasionally miss a payment. The OpenSky Secured Visa and Citi Secured Mastercard both carry penalty APRs.
- Opportunity for Credit Line Increase in As Little As 6 Months. If you use this card responsibly, you could be eligible for a credit line increase in as little as 6 months. Many competing cards make you wait as long as 12 months to request an increase. If youre planning to make a large, time-sensitive purchase, or simply want more month-to-month spending flexibility, a year is a long time to wait.
- Useful Credit-Monitoring and Credit-Building Tools. The free credit score other Capital One CreditWise tools are super-useful for cardholders committed to building and understanding their credit. Some competing cards, including the BankAmericard Secured Card, dont come with free credit scores.
Consider these drawbacks before applying for the Capital One Platinum card.
- No Rewards. Capital One Platinum doesnt have a cash back or travel rewards program. If you want a card designed for building credit and earning rewards, consider Capital Ones QuicksilverOne Cash Rewards Card or the Navy Federal Credit Union nRewards Secured Card.
- High APR. Even by credit-building card standards, this card comes with a high regular APR. If you intend to carry a balance from month to month, consider lower-cost options such as Navy Federal Credit Union nRewards Secured or DCU Visa Platinum Secured, both of which have lower regular APRs.
- Pre-approval Credit Check Required. The Capital One Platinum application requires a credit check. While substantial credit blemishes arent likely to disqualify you, you probably wont be approved for this card with a recent bankruptcy, foreclosure, or pattern of delinquency on your record. Some competing cards, such as Merrick Banks Secured Visa and OpenSky Secured Visa, dont run your credit during the application process.
Lets address the elephant in the room: This credit card has a highly misleading name. Platinum is a precious metal thats worth hundreds of dollars per ounce. Travel loyalty programs platinum tiers are often at or near the top of their frequent traveler hierarchies, conferring luxurious benefits worthy of true VIPs. The best-known platinum credit card is the legendary American Express Platinum, one of the credit card worlds original status symbols.
Needless to say, the Capital One Platinum Credit Card is a not an exclusive card. However, when used responsibly, its absolutely worth its weight in gold or platinum. If this Platinum card is what ultimately teaches you the value of making timely payments and spending within your means, you might just find a real Platinum Card in your wallet one day.
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The Union Plus Credit Card Program from Capital One
Credit approval required for all products
Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; %, %, or % variable thereafter, based on your creditworthiness. Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 12 months that your account is open, or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 12 months that your account has been open.
Rate Advantage Purchase and Transfer APR: 0% intro rate for the first 15 months from account opening date; %, %, or % variable thereafter, based on your creditworthiness. Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open, or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 15 months that your account has been open.
Primary Access Purchase APR: % variable APR. Transfer APR: % variable. Transfer Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Terms applicable to Cash Rewards, Rate Advantage and Primary Access Cards: Cash Advance APR: % variable. Variable APRs will vary with the market, based on the Prime Rate. Cash Advance Fee: greater of 4% of each cash advance amount or $
1Benefits Limitations: These hardship assistance grants are provided and administered through the AFL-CIO Mutual Benefit Plan (The Plan). Grant amounts can range from $ to $2, and vary by grant type. Specific eligibility criteria may vary by grant type. Certain restrictions, limitations, and qualifications apply, including (but not limited to):
- A Cardmember may only receive a grant if their Union Plus Credit Card Account was in good standing at time the loss event occurred.
- A Cardmember may only receive three grants of each grant type for each Union Plus Credit Card Account per their lifetime, but no more than one grant of each grant type per year.
- A Cardmember may only receive one grant of each grant type for any unique loss event, even across multiple accounts.
- A Cardmember may only apply for loss events that occurred at least 3 months after becoming a Cardmember.
Additional information about these hardship assistance grants and eligibility criteria can be obtained at mynewextsetup.us or by calling Union Privilege at Cardmembers will receive full details when they receive their card. Certain administrative responsibilities for the Plan have been delegated to Union Privilege. Union Privilege is the non-profit organization established to create and oversee member benefit programs for working families. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard or Capital One, N.A.
2$0 Fraud Liability claims are subject to investigation and verification.
3Certain terms, conditions, and exclusions apply. Contact Mastercard () for complete terms and conditions.
4Email survey of Union Plus Credit Cardholders conducted in February by Union Plus. 6, responders; 6, answered Yes when asked, Would you recommend the Union Plus Credit Card Program?
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The Union Plus Credit Cards are issued by Capital One, N.A., pursuant to a license from Mastercard International Incorporated.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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