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Secured cards require a refundable deposit that sets your credit line. Useful for anyone without a credit file or rebuilding after a setback. The deposit comes back when you close the card or graduate to unsecured. A few even pay rewards in the meantime.
Platinum Secured is a straightforward deposit-for-credit-line trade: put down $49 to $200 depending on your credit, get a $200 line, and build history with no annual fee. Treat it as a stepping stone to a rewards card once your score recovers.
Applications are paused as of June 2026 while Capital One integrates Discover onto its own platform, so you cannot apply for this card right now. Existing cardholders still get real cash-back categories instead of the zero rewards most secured cards offer, though the once-guaranteed 7-month graduation review is now on an unscheduled periodic basis.
