 TITLE: What Is a Platinum Credit Card? CONTENT: Platinum Card Options\n---------------------\nIf you're interested in applying for a platinum card but your credit needs improvement, here are two options that have no rewards but can help you build credit history:\n*   **Capital One Platinum Credit Card**: Despite having platinum in the name, this card is geared toward those who have fair credit. The card has no annual fee, though the APR is a steep 26.99% (Variable) on purchases and balance transfers. Depending on your credit, your credit limit may start low, but you may be considered for a higher limit in as little as six months.\n*   **Platinum Elite Mastercard® Secured Credit Card**: This card has more lenient credit criteria, with poor to good credit scores considered. The APR is 19.99% Variable, but you can avoid paying any interest at all by paying your balance in full by the end of your billing period. There's an annual fee of $29. This secured card reports to all three major credit bureaus, which can help you establish a positive credit history. END