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Best Overall: Capital One Platinum Mastercard. With no annual fee, the Capital One Platinum Mastercard is one of the best, overall, for adults and teens alike who are looking to build their credit.
Capital One Financial Corporation is an American bank holding company founded on July 21, 1994 and specializing in credit cards, auto loans, banking, and savings accounts, headquartered in Tysons, Virginia with operations primarily in the United States. [2]
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Thanks to the average credit card APR of about 25% in the current environment and relatively low deposit costs, Capital One has a net interest margin (NIM) of about 6.7% throughout its business.
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