Capital One Platinum Secured
A credit-building secured card with a refundable deposit that can be lower than your credit line, and no annual fee.
Why it ranks
- No annual fee
- Possible deposit as low as a fraction of the line
- Path to unsecured
What holds it back
- No rewards
- High APR — pay in full
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A credit-building secured card with a refundable deposit that can be lower than your credit line, and no annual fee.
Capital One Platinum Secured at a glance
| Issuer | Capital One |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | None |
| Rewards rate | No rewards — focused on credit building |
| Intro APR | None |
| Regular APR | 29.99% variable |
| Foreign transaction fee | None |
| Credit needed | Limited / Rebuilding |
| Best for | People building or rebuilding credit |
| Airport lounge access | No |
Rewards & benefits
- Refundable security deposit
- Reports to all 3 bureaus
- Automatic credit line review
Eligibility & who it suits
- Refundable security deposit
- Bank account for the deposit
How to apply
Check current rates on Capital One’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | COCapital OnePlatinum SecuredNo annual fee · US Capital One Platinum SecuredPeople building or rebuilding credit |
None | No rewards — focused on credit building | None | None | Limited / Rebuilding | |
| 2 | DDiscoverit SecuredNo annual fee · US Discover it Secured Credit CardBuilding or rebuilding credit while earning rewards |
None | 2% at gas stations and restaurants (on up to $1,000 in combined purchases each q… | Cashback Match doubles all cash back earned at the end of th… | None | New / rebuilding credit |
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