The Ultimate Guide to Credit Cards
Sunday, June 4, 2023

Capital One Platinum Secured Credit Card

"This is a secured credit card, meaning that the cardholder must submit a security deposit in order to have a credit limit. This card offers reasonable terms for those with subpar credit."
- Toby Sembower,
Advertiser Disclosure
Capital One Platinum Secured Credit Card Review

at Capital One®'ssecure website





  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
29.99% (Variable)
Limited, Bad

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

Bad Credit
(Ranked #3 out of 32)
Best Overall
Instant Approval
(Ranked #2 out of 16)
No/Limited Credit
(Ranked #11 out of 32)
(Ranked #2 out of 20)

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Alternatives to Capital One Platinum Secured Credit Card

Be sure to visit the official website for Capital One Platinum Secured Credit Card to learn complete details about its features and terms. If you’re not quite sure if Capital One Platinum Secured Credit Card is right for you, we encourage you to check out these guides to popular alternatives:

Before applying for the Capital One Platinum Secured Credit Card offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.