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

Capital One® Secured Mastercard®

No Credit History
Apply Now at Capital One's Secure Site
No Credit History
Apply Now at Capital One's Secure Site
Balance Transfers Intro APR
Purchases Intro APR
Regular APR
26.49% (Variable)
Annual Fee

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.

See the rest of the best secured credit cards.


  • 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
  • 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


  • Secured credit card
    Secured credit card

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.

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.

Cardholder Reviews

Capital One® Secured Mastercard®

Average Ratings: (collected by Capital One)
4.4 out of 5 stars
See the latest reviews on Capital One's site

For customer reviews and the most recent star ratings please click here