Qualifying for the Capital One Platinum Credit Card is not particularly difficult as it is designed for people with average credit scores. However, approval is not guaranteed and will depend on factors such as your credit history, income, and debt-to-income ratio. It is important to note that if you have a poor credit history or a low credit score, you may be better off looking for a credit card that is specifically designed for people with bad credit.

The Capital One Platinum Credit Card does not offer rewards for spending. Instead, it is designed for people with average credit scores who are looking for a basic credit card with no annual fee, and features such as fraud coverage, virtual card numbers, credit building tools, and personalized payment options.

The Capital One Platinum Credit Card does not offer cell phone coverage as a standard feature. However, Capital One offers other credit cards such as the VentureOne Rewards and Quicksilver Cash Rewards cards that include cell phone protection as a benefit. It is recommended to carefully review the terms and conditions of any credit card before applying to ensure that it offers the features that meet your needs.