If you're looking to get your credit back in line, the Platinum Credit Card from Capital One® is a good choice for you. This card will help strengthen your credit for the future with responsible card use. First, you'll pay no annual fee, and you'll get access to a higher credit line after making your first 5 monthly payments on time. You'll have fraud coverage if your card is lost or stolen, use online banking to access your account, even from your smartphone with our mobile app. You'll pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you, and get access to your account 24 hours a day, 7 days a week. Cash advance APR is 24.99% (variable).