Without SSN
Apply now
On Capital One‘s site

Best Platinum Credit Cards of November 2022

Compare 100 platinum credit cards on Myfin.us.

Best Credit Cards for Platinum in November 2022

Hide all
Show all

Capital One Platinum Credit Card best for Without SSN

Platinum Mastercard Capital One
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
2.91
scorer
Credit score
Fair (580-669)
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    Get the credit you need with Platinum Mastercard® from Capital One.

    Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One.

    You're also covered by $0 Fraud Liability if your card is ever lost or stolen.

  • Pros:
    • Chance to get a higher credit limit
    • No annual fee
    • No foreign transaction fees
    • Platinum Mastercard benefits
    • No Penalty APR for late payments
    • Get approval with a fair credit score
  • Cons:
    • High Regular APR
    • No rewards
    • No sign-up bonus
    • You don’t get to enjoy a reduced introductory rate
  • Benefits:
    • No Foreign Transaction Fees;
    • $0 Fraud Liability;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Autopay;
    • 24/7 Customer Service.
View all Platinum Mastercard details
Apply now
On Capital One‘s site
Card detail

Capital One Platinum Secured Credit Card best for Single mom, Without SSN

Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
2.44
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Secured Mastercard® from Capital One is for people who want to improve their credit scores. The Card has no annual fee. It requires a security deposit when you’re approved.

    The card's APR is 28.49% (Variable).

    You’ll get access to CreditWise® from Capital One, which will automatically alert you to changes on your TransUnion or Experian credit reports.

    The Secured Mastercard from Capital One comes with a surprising number of travel perks, including no foreign transaction fees, travel accident insurance, 24-hour travel assistance services and secondary auto rental coverage.

    Cardholders will also receive extended warranty coverage for items purchased that already come with a manufacturer’s warranty.

  • Pros:
    • Low initial deposit amount of $49, $99, or $200
    • You can increase the credit line up to $1000
    • No annual fee
    • Automatic credit line reviews
    • Credit building
  • Cons:
    • High APR
    • Low credit limit
    • No rewards program
  • Benefits:
    • $0 Fraud Liability;
    • Refundable Deposit;
    • Capital One CreditWise;
    • Eno®, your Capital One assistant;
    • Virtual Card Numbers from Eno;
    • Emergency Card Replacement;
    • ATM Location Services;
    • MasterRental Coverage;
    • 24/7 Customer Service.
View all Platinum Secured Mastercard® details
Apply now
On Capital One‘s site
Card detail

The Bank of Missouri FIT® Platinum Mastercard® best for Unsecured

FIT® Platinum Mastercard® The Bank of Missouri
Annual fee:
$99 annually
Regular APR:
29.99% Variable
Our Rating:
3.9
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      The Bank of Missouri
    • Details:

      The FIT® Platinum Mastercard® Credit Card helps to rebuild or build your credit.

      The FIT® Platinum Mastercard® Credit Card's annual fee is $99 annually. The Monthly Maintenance Fee is $75 annually. The Processing Fee is $89 (one-time fee).

      The FIT® Platinum Mastercard® Credit Card with an initial credit limit of $400. Use your FIT card at locations everywhere Mastercard is accepted.

      Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.

      Read full review

    • Pros:
      • Credit may increase with time
      • Low eligibility requirements
      • Reasonable credit limit
      • No Security deposit
      • Credit Score Access
    • Cons:
      • High extra fees
      • High APR
      • Foreign Transaction Fee
      • No reward program
      • No Sign up Bonus
    • Benefits:
      • $0 Fraud Liability;
      • Initial Credit Limit of $400;
      • Potential Credit Limit Increase After Just 6 Months;
      • Free Monthly Credit Score;
      • Reports to All Three Major Credit Bureaus.
    View all FIT® Platinum Mastercard® details
    Apply now
    On The Bank of Missouri‘s site
    Card detail

    Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

    Celtic Bank Surge® Platinum Mastercard®
    Annual fee:
    $75 - $99 annually
    $99 annually
    Regular APR:
    24.99% - 29.99% Variable
    Our Rating:
    3.2
    scorer
    Credit score
    No Credit History to Poor (0-579)
      • Issuer name:
        Celtic Bank
      • Details:

        The Surge® Platinum Mastercard® credit card's APR range from 24.99% to 29.99%, based on creditworthiness.

        The Surge® Platinum Mastercard® has an annual fee of $75 to $99 (after that $99 annually).

        Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10.00 per month).

        There’s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

        This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus — TransUnion, Experian, Equifax.

        Read full review

      • Pros:
        • Monthly Credit Reporting
        • Free Monthly Credit Score
        • Potential Credit Limit Increase After 6 Months
        • Prequalification Without a Hard Check
      • Cons:
        • High Annual Fee
        • Relatively Low Credit Limit
        • Foreign Transaction Fee
        • Monthly Maintenance Fee After the 1st year
        • High APR
      • Benefits:
        • $0 Fraud Liability;
        • Monthly reporting to the three major credit bureaus;
        • Possible credit limit increase after just six months;
        • Free Monthly Credit Score.
      View all Surge® Platinum Mastercard® details
      Apply now
      On Celtic Bank‘s site
      Card detail
      Double Your Line® Mastercard® Merrick Bank
      Annual fee:
      $0 - $72 annually
      Regular APR:
      22.45% - 30.70% *Variable
      Our Rating:
      4.1
      scorer
      Credit score
      No Credit History to Excellent (0-799)
        • Issuer name:
          Merrick Bank
        • Details:

          The Merrick Bank Double Your Line® Mastercard® is good for people looking to build or rebuild credit.

          Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

          The APR for purchases is 22.45% - 30.70% (Variable). The card's annual fee: $0 - $72 annually.

          Credit lines range from $550 - $1,350 which double to $1,100 - $2,700 after your account qualifies. No security deposit required.

          Read full review

        • Pros:
          • Double your credit line
          • $0 fraud liability
          • No security deposit is required
          • A free FICO score each month
          • A poor credit score is enough to apply
        • Cons:
          • High variable APR
          • No rewards
          • No balance transfer option
          • Cash advance fee
        • Benefits:
          • $0 Fraud Liability;
          • Double Your Line®;
          • Exclusive Platinum Mastercard® Benefits.
        View all Double Your Line® Mastercard® details
        Apply now
        On Merrick Bank‘s site
        Card detail

        Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

        Reflex® Platinum Mastercard®​ Celtic Bank
        Annual fee:
        $75 - $99 for the first year
        $99 after the first year
        Regular APR:
        24.99% - 29.99% Variable
        Our Rating:
        3.8
        scorer
        Credit score
        No Credit History to Good (0-739)
          • Issuer name:
            Celtic Bank
          • Details:

            The Reflex® Platinum Mastercard® can be used as an effective tool to build credit. The card has an APR of 24.99% - 29.99% (Variable).

            With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

            Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

            Read full review

          • Pros:
            • Chance to get a higher credit limit
            • All credit scores are welcome to apply
            • Reports to three bureaus
            • Check if you prequalify without affecting your credit score
            • No deposit required
          • Cons:
            • No rewards
            • High Regular APR
            • High annual fee
            • Monthly maintenance fee
            • Additional card fee
            • Foreign transaction fee
          • Benefits:
            • $0 Fraud Liability;
            • Potential Credit Limit Increase After Just 6 Months;
            • Free Monthly Credit Score;
            • Monthly Reporting to All Three Major Credit Bureaus;
            • Credit Protection program.
          View all Reflex® Platinum Mastercard® details
          Apply now
          On Celtic Bank‘s site
          Card detail
          Synovus Bank The First Latitude Platinum Mastercard® Secured Credit Card
          Annual fee:
          $25 for the first year;
          after that $35.00 annually
          Regular APR:
          22.99% Variable
          Our Rating:
          1.16
          scorer
          Credit score
          No Credit History to Poor (0-579)
            • Issuer name:
              Synovus Bank
            • Details:

              The Synovus Bank First Latitude Platinum Mastercard® Secured Credit Card is a full-feature Platinum Mastercard® with a credit line based on a security deposit rather than on a credit score.

              The First Latitude Platinum Mastercard® Secured charges an annual fee of $25 for the first year; after that $35 annually. The APR for Purchases is 22.99% (27.99% for cash advances). These APRs will vary with the market based on the Prime Rate.

              Read full review

            • Pros:
              • Available to people with limited credit history
            • Cons:
              • Foreign Transaction Fee
              • Balance transfers are not available
            • Benefits:
              • Choose a Credit Line Secured by Your Fully Refundable Deposit - from $100 to $2,000;
              • Reports Monthly to All 3 Consumer Credit Bureaus to Establish Credit History;
              • Quick and Easy Online Application.
            View all First Latitude Platinum Mastercard® Secured details
            Apply now
            On Synovus Bank‘s site
            Card detail
            First Progress Platinum Prestige Mastercard® Secured Synovus Bank
            Annual fee:
            $49 annually
            Regular APR:
            13.74% Variable
            Our Rating:
            3.8
            scorer
            Credit score
            No Credit History to Fair (0-669)
              • Issuer name:
                Synovus Bank
              • Details:

                The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

                The First Progress Platinum Prestige Mastercard® doesn’t earn a welcome bonus.

                The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 13.74% (Variable for purchases), 22.74% (Variable for cash advances).

                First Progress reports to all three major credit agencies, so even if you have bad credit, you’ll be able to improve on your credit standing provided you use your card responsibly.

                Read full review

              • Pros:
                • Low APR for Purchases
                • No Minimum Credit Score Required
                • Reports to Three Major Credit Bureaus
                • Suitable Range of Credit Limit
              • Cons:
                • High Annual Fee
                • High Transaction Fees on Cash Advance
                • High Penalty Fees
                • No Bonuses or Rewards
                • Foreign Transaction Fees
                • Unavailability of Card for Certain Geographies in the US
              • Benefits:
                • Accepted Nationwide;
                • No Minimum Credit Score;
                • No Credit History Required.
              View all First Progress Platinum Prestige Mastercard® Secured details
              Apply now
              On First Progress’s site
              Card detail
              First Progress Platinum Elite Mastercard® Secured Synovus Bank
              Annual fee:
              $29 annually
              Regular APR:
              23.74% Variable
              Our Rating:
              3.3
              scorer
              Credit score
              No Credit History to Fair (0-669)
                • Issuer name:
                  Synovus Bank
                • Details:

                  The First Progress Platinum Elite Mastercard® Secured Credit Card is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

                  As a secured credit card, the First Progress Platinum Elite Mastercard® doesn’t come with any welcome offers, sign-up bonuses or reward rates.

                  As a Mastercard®-branded credit option, this First Progress card is accepted nationwide.

                  The initial Credit Limit for your Account will be equal to the amount of the Deposit that you make with us, which must be at least $200 (see “Security Interest” above). However, if you choose to deposit more than $200 your initial deposit and corresponding Credit Limit must be at least $300 and may not exceed $2,000.

                  Read full review

                • Pros:
                  • No credit history required
                  • No Minimum Credit Score needed
                  • Low Annual Percentage Rates
                  • It builds your Credit Score
                • Cons:
                  • No option to graduate to an unsecured credit card
                  • Credit limit is equal to your deposit amount
                  • There is no Rewards program
                  • There are some area restrictions
                • Benefits:
                  • No Minimum Credit Score;
                  • No Credit History Required;
                  • Accepted Nationwide.
                View all First Progress Platinum Elite Mastercard® Secured details
                Apply now
                On First Progress’s site
                Card detail
                Surge® Platinum Secured Mastercard® Celtic Bank
                Annual fee:
                $69 annually
                Regular APR:
                19.99% Variable
                Our Rating:
                3.3
                scorer
                Credit score
                No Credit History to Poor (0-579)
                • Rewards Rate:
                  • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
                • Issuer name:
                  Celtic Bank
                • Details:

                  The Surge® Platinum Secured Mastercard® is a credit card designed for people with poor credit or none at all. The card earns 1% Cash Back rewards.

                  The card's APR: 19.99% (Variable).

                  The Surge® Platinum Secured Mastercard® has an annual fee of $69. There’s also an additional one-time card fee of $30 (if applicable). Plus, the card has a foreign transaction fee of 3%.

                  Read full review

                • Pros:
                  • Cash Back rewards
                  • Free automatic account reviews for credit limit increases
                • Cons:
                  • Annual Fee
                  • Foreign Transaction Fee
                  • No welcome bonus
                  • No Intro APR offer
                • Benefits:
                  • 1% Cash Back Rewards;
                  • Potential Credit Limit Increase;
                  • Report to All 3 Major Credit Bureaus.
                View all Surge® Platinum Secured Mastercard® details
                Apply now
                On Celtic Bank‘s site
                Card detail
                First Progress Platinum Select Mastercard® Secured Synovus Bank
                Annual fee:
                $39 annually
                Regular APR:
                17.74% Variable
                Our Rating:
                3.5
                scorer
                Credit score
                No Credit History to Fair (0-669)
                  • Issuer name:
                    Synovus Bank
                  • Details:

                    The First Progress Platinum Select MasterCard® Secured is designed to help cardholders build credit with no credit check or minimum credit score required to apply.

                    The First Progress Platinum Select MasterCard® Secured doesn’t come with any welcome offers, sign-up bonuses or reward rates.

                    The card's APR: 17.74% (Variable for Purchases), 23.74% (Variable for Cash Advances).

                    The First Progress Platinum Select MasterCard® has an annual fee of $39. Plus, the card has a foreign transaction fee of 3%.

                    Read full review

                  • Pros:
                    • No credit history required
                    • No Minimum Credit Score needed
                    • Low Annual Percentage Rates
                  • Cons:
                    • Annual Fee
                    • Foreign Transaction Fee
                  • Benefits:
                    • Accepted Nationwide;
                    • No Minimum Credit Score;
                    • No Credit History Required.
                  View all First Progress Platinum Select Mastercard® Secured details
                  Apply now
                  On First Progress’s site
                  Card detail