Credit Cards»Capital One Credit Cards»Secured Mastercard® from Capital One

Secured Mastercard® from Capital One

Secured Mastercard® from Capital One
Our rating:3.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

No Credit History

Apply now at Capital One's secure site
Balance Transfers Intro APR
Purchases Intro APR
Regular APR
26.99% (Variable)
Annual Fee

Great for:

Start with a $200 credit limit after a deposit of $49, $99 or $200. After 6 months with responsible use, you can be considered for a higher credit limit and start building credit with no additional deposit.

See the rest of the best secured credit cards.


  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • We will monitor your account, and as you use it responsibly by doing things like making on-time payments, you may be able to earn back your deposit as a statement credit
  • Easily manage your account 24/7 with online access, by phone or using our mobile app


  • EMV
  • No Annual Fee
    No Annual Fee
  • No Foreign Transaction Fees
    No Foreign Transaction Fees
  • Secured credit card
    Secured credit card

Staff Review

Editor's Rating:

3.7 out of 5

Our take: Despite the lack of a rewards program, the Secured Mastercard from Capital One stands out for its low security deposit, reasonable fees and shorter pathway to a higher credit line, making it a good option for users looking to build credit with responsible use.

Read full review

All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.