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Platinum Mastercard Capital One
Capital One Platinum Credit CardLimited offer
Without SSN
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Best Platinum Credit Cards of November 2024

Compare 97 platinum credit cards on Myfin.us.

Updated November 16, 2024
Advertiser Disclosure Our Methodology
Platinum Mastercard Capital One
Capital One Platinum Credit Card
None
Annual Fee
29.99%
Regular APR
This card doesn't offer cash back, miles or points.
Learn more
on our partner’s site
Secured Mastercard® Capital One
Capital One Platinum Secured Credit Card
None
Annual Fee
29.99%
Regular APR
This card doesn't offer cash back, miles or points.
Learn more
on our partner’s site
FIT™ Platinum Mastercard® The Bank of Missouri
FIT™ Platinum Mastercard®
See terms
Annual Fee
35.90%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On Continental Finance site
Celtic Bank Surge® Platinum Mastercard®
Surge® Platinum Mastercard®
Celtic Bank
$75 - $125
Annual Fee
35.90%
Regular APR
This card doesn't offer cash back, miles or points.
Apply now
On Celtic Bank‘s site
Best pick for...

Best Credit Cards for Platinum in November 2024

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Capital One Platinum Credit Card best for Without SSN

Capital One Platinum Credit Card

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Platinum Mastercard Capital One
Annual fee:
$0
Regular APR:
29.99% Variable
Our Rating:
2.86
scorer
Credit score
Fair (580-669)
  • Balance Transfer APR:
    29.99% 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
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on our partner’s site
Card detail

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

Capital One Platinum Secured Credit Card

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Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
29.99% Variable
Our Rating:
2.39
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    29.99% 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 29.99% (Variable). Balance transfer fee: 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

    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
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Card detail

FIT™ Platinum Mastercard® best for Unsecured

FIT™ Platinum Mastercard®

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FIT™ Platinum Mastercard® The Bank of Missouri
Annual fee:
See terms
Regular APR:
35.90% Fixed
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 monthly maintenance fee for the second year will be $150 per year ($12.50 per month). The Processing Fee is $95 (one-time fee).

      The FIT™ Platinum Mastercard® Credit Card has 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:
      • 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:
      • $400 Initial Credit Limit;
      • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit;
      • Unsecured credit card requires No Security Deposit;
      • Perfect card for everyday purchases and unexpected expenses;
      • Monthly reporting to the three major credit bureaus;
      • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements);
      • Use your card everywhere Mastercard is accepted at millions of locations;
      • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines).
    View all FIT™ Platinum Mastercard® details
    Apply now
    On Continental Finance site
    Card detail

    Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

    Celtic Bank Surge® Platinum Mastercard®

    Apply now
    Celtic Bank Surge® Platinum Mastercard®
    Annual fee:
    $75 - $125
    Regular APR:
    35.90% Fixed
    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 is 35.90% Fixed.

        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
        • 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:
        • Up to $1,000 Initial Credit Limit;
        • See if you Pre-Qualify with No Impact to your Credit Score;
        • Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit;
        • Responsible use can lead to a Credit Limit Increase offer in as few as 6 months;
        • Unsecured credit card requires No Security Deposit;
        • Perfect card for everyday purchases and unexpected expenses;
        • Monthly reporting to the three major credit bureaus;
        • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements);
        • Use your card everywhere Mastercard is accepted at millions of locations;
        • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines).
      View all Surge® Platinum Mastercard® details
      Apply now
      On Celtic Bank‘s site
      Card detail

      Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

      Celtic Bank Reflex® Platinum Mastercard®

      Apply now
      Reflex® Platinum Mastercard®​ Celtic Bank
      Annual fee:
      $75 - $125
      Regular APR:
      35.90% Fixed
      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 35.90% Fixed.

          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.

          Read full review

        • Pros:
          • 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 APR
          • High annual fee
          • Monthly maintenance fee
          • Additional card fee
          • Foreign transaction fee
        • Benefits:
          • Up to $1,000 Initial Credit Limit;
          • See if you Pre-Qualify with No Impact to your Credit Score;
          • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit;
          • Responsible use can lead to a Credit Limit Increase offer in as few as 6 months;
          • Unsecured credit card requires No Security Deposit;
          • Perfect card for everyday purchases and unexpected expenses;
          • Monthly reporting to the three major credit bureaus;
          • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements);
          • Use your card everywhere Mastercard is accepted at millions of locations;
          • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines).
        View all Reflex® Platinum Mastercard® details
        Apply now
        On Celtic Bank‘s site
        Card detail

        First Progress Platinum Prestige Mastercard® Secured Credit Card

        Apply now
        First Progress Platinum Prestige Mastercard® Secured Synovus Bank
        Annual fee:
        $49 annually
        Regular APR:
        14.74% Variable
        Our Rating:
        3.8
        scorer
        Credit score
        No Credit History to Fair (0-669)
        • Rewards Rate:
          • 1% Cash Back rewards on payments.
        • 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 Card earns 1% Cash Back rewards on payments.

          The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 14.74% (Variable for purchases), 23.74% (Variable for cash advances).

          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
          • Foreign Transaction Fees
        • Benefits:
          • 1% Cash Back rewards on payments;
          • 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 Select Mastercard® Secured Credit Card

        Apply now
        First Progress Platinum Select Mastercard® Secured Synovus Bank
        Annual fee:
        $39 annually
        Regular APR:
        18.74% Variable
        Our Rating:
        3.5
        scorer
        Credit score
        No Credit History to Fair (0-669)
        • Rewards Rate:
          • 1% Cash Back on payments made to your First Progress Secured credit card account.
        • 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 Credit Card earns 1% Cash Back on payments made to your First Progress Secured credit card account.

          The card's APR: 18.74% (Variable for Purchases), 24.74% (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:
          • 1% Cash Back on payments made to your First Progress Secured credit card account;
          • 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

        University Credit Union Rewards Mastercard®

        University Credit Union Rewards Mastercard®
        Annual fee:
        $0
        Regular APR:
        12.75% - 17.99% Variable
        Our Rating:
        4.18
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 2x Points for every dollar spent on purchases at gas stations, grocery stores, and pharmacies.
          • 1x Points on all other purchases.
        • Intro Offer:
          • 2,500x Bonus points when you charge $1,000 in the first three months after opening your new account.
        • Balance Transfer APR:
          12.75% - 17.99% Variable
        • Issuer name:
          University Credit Union
        • Details:

          The University Credit Union Rewards Mastercard® Credit Card earns 2,500 points when you charge $1,000 in the first three months after opening your new account. The Card offers 2x points for every dollar spent on purchases at gas stations, grocery stores, pharmacies and 1x point on all other purchases.

          The Rewards Mastercard® doesn't charge an annual fee.

          The APR for purchases is 12.75% - 17.99 Variable.

        • Pros:
          • No Annual Fee
        • Cons:
          • Foreign Transaction Fee
        • Benefits:
          • 2,500 points (when you charge $1,000 in the first three months after opening your new account);
          • 2x points for every dollar spent on purchases at gas stations, grocery stores, and pharmacies;
          • 1x point on all other purchases;
          • Travel Accident Insurance.
        View all Rewards Mastercard® details
        Learn more
        Card detail

        NASA Federal Credit Union Visa® Platinum Advantage Rewards

        NASA FCU Visa® Platinum Advantage Rewards
        Annual fee:
        $0
        Regular APR:
        14.65% - 17.99% Variable
        Our Rating:
        3.46
        scorer
        Credit score
        Good to Excellent (670-799)
        • Rewards Rate:
          • 1x Point for every $1 you spend on all purchases.
        • Balance Transfer APR:
          9.90% - 17.99% Annual Percentage Rate (APR) is valid only on balance transfers made within 90-days of account opening
          14.65% - 17.99% Variable
        • Issuer name:
          NASA Federal Credit Union
        • Details:

          The NASA FCU Visa® Platinum Advantage Rewards Credit Card doesn't charge an annual fee.

          The Card earns 1x point on all purchases. Redeem your points for merchandise, gift cards and more on the Platinum Advantage Rewards Site.

          The APR for purchases is 14.65% - 17.99% (Variable).

        • Pros:
          • No Annual Fee
          • No Foreign Transaction Fee
          • No extra fees
        • Cons:
          • No welcome bonus
          • Penalty APR
        • Benefits:
          • 1x point for every $1 you spend on all purchases;
          • 24/7 emergency assistance;
          • Fraud Protection;
          • Extended Warranty Coverage.
        View all Visa® Platinum Advantage Rewards details
        Learn more
        Card detail

        First Technology Federal Credit Union Platinum Secured Mastercard®

        First Technology Federal Credit Union Platinum Secured Mastercard®
        Annual fee:
        $0
        Regular APR:
        14.25% - 18.00% Variable
        Our Rating:
        2.63
        scorer
        Credit score
        No Credit History to Poor (0-579)
        • Rewards Rate:
          • 1x Point for every dollar spent on your everyday purchases.
        • Issuer name:
          First Technology Federal Credit Union
        • Details:

          The First Tech® Platinum Secured Mastercard® Credit Card doesn't charge an annual fee.

          The Card earns 1x point on all purchases. Use your points for travel, merchandise, gift cards and more.

          The APR for purchases is 14.25% - 18.00% (Variable).

        • Pros:
          • No Annual Fee
          • No Foreign Transaction Fee
        • Cons:
          • Balance transfers are not available
          • No Intro APR period
        • Benefits:
          • 1x point for every dollar spent on your everyday purchases;
          • Digital Wallet;
          • Identity Theft Resolution Services;
          • Mastercard Global Service™.
        View all Platinum Secured Mastercard® details
        Learn more
        Card detail
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