Capital One Platinum Credit Card

This card is worth considering if your main goal is rebuilding credit and you want a basic unsecured card without an annual fee. For that job, it does the essentials: it gives you a line of credit to use lightly, pay on time, and keep open as you work on your credit profile. The lack of foreign transaction fees is also a nice practical touch for a starter card.

For most people, the tradeoff is obvious: there are no rewards and very few meaningful perks. If you can qualify for a card that earns cash back, that will usually be the stronger long-term option. This card makes the most sense when access and simplicity matter more than ongoing value.