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Capital One
Capital One Platinum Secured
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MastercardCapital One
Capital One Platinum Secured
4.0
(3,456 reviews)secured
Last verified March 2026
A solid secured card for building or rebuilding credit with no annual fee.
Annual Fee
No annual fee
Purchase APR
30.49%
Rewards
No rewards
Sign-Up Bonus
None
Credit Score
Poor (300-579)
Foreign Txn Fee
None
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 30.49% |
| Balance Transfer Fee | None |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
No annual fee
Low minimum deposit ($49)
Automatic credit line reviews
Reports to all 3 bureaus
No rewards
High APR
Requires security deposit
Customer Reviews
3.7
3,456 reviews
5
0
4
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1
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AB
Ashley B.VerifiedOct 10, 2025
Helped me rebuild my credit
After some financial difficulties, this card helped me get back on track. My score went from 520 to 680 in 18 months. Graduated to an unsecured card.
LW
Lisa W.VerifiedSep 5, 2025
Wish it had rewards
It's a fine credit-building tool but no rewards makes it hard to use once your credit improves. Plan to upgrade once I can.
MJ
Marcus J.VerifiedJul 22, 2025
Low deposit to get started
Only needed $49 to open the account. No annual fee. It's not glamorous but it gets the job done for credit building.