Credit and Habit

Capital OneSecured card

Capital One Platinum Secured

$0 annual fee Build credit with responsible use Refundable deposits as low as $49 for a credit limit of at least $200.

AT A GLANCE

Credit card overview

Card categories

  • Secured
  • No-Annual-Fee

What you get

Rewards and benefits

  • Build credit with responsible use Refundable deposits as low as $49 for a credit limit of at least $200.

Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.

What it costs

Fees, rates and terms

Annual fee$0
Purchase APR29.24% variable APR
Advertised credit profileRebuilding Credit

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Capital One makes every lending decision.

Earning rates, caps and exclusions
$0 annual fee Build credit with responsible use Refundable deposits as low as $49 for a credit limit of at least $200.
Annual fee and first-year pricing
Annual Fee $0
Foreign transaction fee
No foreign transaction fees. No replacement card fees. No authorized user fees. Just the card you need with no unwanted surprises.
Authorized users and fees
No foreign transaction fees. No replacement card fees. No authorized user fees. Just the card you need with no unwanted surprises.
Security deposit
A $49, $99 , or $200 minimum deposit opens your account with an initial credit line of at least $200. If you are approved for a Platinum Secured Credit Card, you'll be required to pay a refundable security deposit online. All deposits must be at least $20 and in whole dollar increments and funded through an electronic funds transfer from a bank account—cash, checks, and other money transfer methods are not accepted. You can make your required deposit via the link sent to your email or in your approval letter. $49, $99 or $200 minimum refundable deposit
Other conditions
$0 annual fee Build credit with responsible use Refundable deposits as low as $49 for a credit limit of at least $200.

Recorded from Capital One’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.

Your call

Before you apply for the Capital One Platinum Secured

  1. For credit building, check the security deposit, credit-bureau reporting and upgrade or refund policies.
  2. Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.

Read the full application checklist →See how it fits your spending in Find My Card →

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