According to the Capital One website, their Platinum Max(SM) Card is "right for people with excellent credit interested in getting a great rate that they can count on". I agree with this statement as the Capital One Platinum Max Card appears to actually be one of the better cards currently out there on the market. In order to qualify for this credit card, you must of had another loan or credit card for at least five years. You must currently have a credit card with a credit limit greater than $10,000 and never of been more than 60 days late on any payments of card bills, medical expenses, or loan payments. Also, you must of never have of declared bankruptcy to qualify for this credit card. In short, The Capital One Platinum Max is not an easy credit card to be approved for.

Currently the card features a very low 9.9% APR on purchases and balance transfers. This is guaranteed for 3 years and your APR will not increase just because you make a late payment or go over your credit limit. There are no annual membership or balance transfer fees associated with the card. This is in itself a very important and rare feature on any platinum class credit card. The card is a great money saver for folks who like to travel abroad. There are no additional fees on purchases made outside the U.S.A.

Another group of excellent benefits is the exclusive special savings you can enjoy with the use of your card. It is a snap to easily save up to 40% on featured deals and 10% on everything else at Capital One Saving Zone on Yahoo! Shopping. At this exclusive website, cardholders can enjoy huge savings on thousands of brand name items. The store features various types of goods including Bed & Bath, Women's Accessories, Home Furnishings, Jewelry, and Kitchen Appliances.

At the time this review was written, the Annual Percentage Rate (APR) was 9.9% at the purchase rate and balance transfer rate. There are no balance transfer fees on this card at the time this review was written as well. The card offers a credit limit up to $20,000.00 (min $2,000). One can also expect to receive the best of other platinum card services as well like extended warranty protection for goods bought, accident and travel insurance, as well as 24/7 roadside assistance. Also remember at the present time the card also features no membership of annual fee. If you ever have any questions of concerns with your card you can also simply just call the number located on the back of the credit card for quick and easy help from a professional staff of caring and helpful people 24/7.

Please remember that at the time this review was written all information was true and correct to the best of my knowledge. If you should decide to apply online for this, or any other credit card online be certain that you have read the complete current terms and conditions.