Capital One® Platinum Credit Card

Type
Personal
Credit Rating
Good
Annual Fee
-
Reward Type
NO Rewards
SigUp Bonus
No

Main Credit Card Features

No Annual Fee

How MasterCard® Credit Card Network Works

How No Annual Fee Credit Cards Work

A no annual fee credit card is excellent as a backup credit card as you don’t need to pay to maintain it. You might need a backup credit card if your primary one got lost or stolen. Another benefit of a no annual fee credit card is that you can improve your credit to debt ratio if you don’t use it consistently. You may also consider this card if you are looking for a specific perk.