Capital One® Secured Mastercard®
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- Balance Transfers Intro APR
- Purchases Intro APR
- Regular APR
- 26.99% (Variable)
- Annual Fee
- No annual fee, and all the credit building benefits with responsible card use
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
- You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
- Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- It's a credit card accepted at millions of locations worldwide
3.4 out of 5
Our take: Despite the lack of a rewards program, the Capital One Secured Mastercard’s low security deposit, reasonable fees and shorter pathway to a higher credit line makes it a good option for credit-building consumers.