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Capital One Platinum Secured Credit Card

Mastercard No Annual Fee No Foreign Fees

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Capital One Platinum Secured Credit Card

Credit Score

300 620
Bad - Limited
Apply Now On Capital One®'s secure website Terms apply. Approval is not guaranteed.

Annual Fee

$0

Foreign Fee

0%

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

28.99% (Variable)

Rates & fees apply. View the Rates & Fees.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Capital One®.

The Platinum Secured is Capital One's foundation-level credit-builder: a low minimum refundable deposit unlocks a starting credit line, no annual fee, automatic review for a credit-line increase after six months without an additional deposit, and a clear path to graduate to the unsecured Platinum.

The unusually low deposit minimum is the standout feature — most secured cards require the full deposit amount as the credit line. That makes this card the easiest secured product on the market for someone with a tight cash flow. The APR is high but irrelevant if you pay in full; for credit-building purposes, the goal is small monthly charges, paid off in full, never carrying interest. Use it for a single recurring bill, autopay the balance, and let the payment history compound for a year or so.

Card Details

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
  • Top rated mobile app
Also in: Top Credit Cards 2026 No Annual Fee No Foreign Fees

Capital One Platinum Secured Credit Card

Ready to apply? Visit the issuer's secure site.

Apply Now On Capital One®'s secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.