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Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card
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Our rating:4.2 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.

Editor's Pick

No Credit History

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Balance Transfers Intro APR
Purchases Intro APR
Regular APR
29.99% (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 or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's 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:

4.2 out of 5

Our take: The Capital One Platinum Secured Credit Card makes credit building a breeze with a low stakes collateral investment that allows cardholders to build credit with minimal commitment. See Rates and Fees

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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.