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⚖ Add to comparisonCapital One · Mastercard
Capital One Platinum Secured
A credit-building card whose draw is the possibly-reduced deposit, sometimes you're approved for a $200 line with a deposit under that, which most secured cards won't do. No annual fee (as of 2026) keeps the cost of rebuilding at zero. The trade-off is no rewards and a high ongoing APR, so never carry a balance on it. If you can fund a full deposit and want cash back while you build, a rewards-secured card fits better. Check current deposit terms on capitalone.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Security deposit you can get back
- ✓Reports to all three credit bureaus
- ✓Your credit line gets reviewed automatically
👍 Pros
- + No annual fee
- + Deposit can come in below the full credit line
- + Offers a route to an unsecured card
👎 Cons
- – Earns no rewards
- – APR is high, so pay the balance off each month
Can you get it?
- ▸A refundable security deposit
- ▸A bank account to fund the deposit
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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