Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

at Capital One's Secure Site
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Capital One® Secured Mastercard®

Capital One® Secured Mastercard®
Bad to Fair Credit Recommended (300-670) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Capital One's Secure Site
Bad to Fair Credit Recommended (300-670) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Capital One's Secure Site
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0

Great for: Start with a $200 credit limit after a deposit of $49, $99 or $200. After 5 monthly on-time payments, get access to a higher credit limit and start building credit with no additional deposit.

Highlights

  • 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

Staff Review

 

Editor's Rating:

3.4-star review

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.

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All reviews are prepared by CreditCards.com 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.

Cardholder Reviews

Capital One® Secured Mastercard®

Average Ratings: (collected by Capital One)
4.4 out of 5
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