Skip to content
CreditCardSignups.com
Find a card

We're paid when you apply via some links. Details

Capital One Platinum Secured Credit Card card art
Capital One · rewards

Capital One Platinum Secured Credit Card

3.5 / 5
Cash back · Personal card

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.

Apply Now

At a glance

Welcome bonus
No welcome bonus
No spend requirement
Annual fee
$0
Purchase APR
28.99%
No intro APR
FX fee
None
Editorial

Our take

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.

Verdict

Pros & cons

Pros

  • Refundable deposit as low as $49
  • No annual fee
  • Line increases with a bigger deposit, no new credit pull

Cons

  • No rewards program
  • No welcome bonus
  • Credit line starts as low as $200
Benefits

Key benefits

Refundable Security Deposit

Put down a refundable deposit of $49, $99, or $200 based on your creditworthiness to open a $200 credit line.

Raise Your Line With a Bigger Deposit

Add more deposit any time to raise your credit line up to $1,000, with no new hard inquiry.

Path to an Unsecured Card

Responsible use can lead to an upgrade offer, with your deposit refunded once you graduate.

Reports to All Three Bureaus

On-time payments build your credit history with Equifax, Experian, and TransUnion.

Fit

Who this is best for

  • Rebuilding or establishing credit
  • Low upfront deposit options
  • Graduating to an unsecured card
FAQ

Frequently asked questions

What is the Platinum Secured welcome bonus?
This card does not offer a welcome bonus.
Does the Platinum Secured charge an annual fee?
No. The Platinum Secured has a $0 annual fee.
Does the Platinum Secured have a foreign transaction fee?
No. The Platinum Secured charges no foreign transaction fee, so it works well for international purchases.
What APR does the Platinum Secured charge?
The purchase APR is 28.99% variable.
Who is the Platinum Secured best for?
Rebuilding or establishing credit. Low upfront deposit options. Graduating to an unsecured card.
Similar

Related cards

Apply

Capital One Platinum Secured Credit Card

No spend requirement
Apply Now

Rates accurate as of October 6, 2026. Issuer terms.