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Capital One® Secured Mastercard®

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Our rating
Credit range: Bad
Annual Fee: $0
Regular APR: 26.99% (Variable)

Capital One® Secured Mastercard®

Our rating
Bad Credit range
$0 Annual Fee
How To Apply Read our Review

Highlights & Features

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR None
Regular Balance Transfer APR 26.99% (Variable)
Balance Transfer Fee $0
How to Transfer a Balance on a Credit Card

Fees

Penalty APR None
Late Fee Up to $39
Returned Payment Fee None
Additional Cards Annual Fee None
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 26.99% (Variable)
Cash Advance Fee 3% of the amount of the cash advance, but not less than $10
How to Get a Cash Advance with a Credit Card
ABOUT THE ISSUER

Capital One

Capital One has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-227-4825 or

Try a different phone number
See all Issuer Cards

If your credit score needs improvement, the Capital One Secured Mastercard can help you get back on your feet and restore your credit rating.

This is a secured credit card, so it requires an initial security deposit.

The amount of money you put down helps determine your credit line. The more money you put down, the larger your credit line will be.

You’ll be given a required minimum security deposit, from $49 to $200. This will provide you with an initial credit line of $200. You can deposit more if you’d like to raise your credit line, up to $1,000 for a $1,000 credit line. You can learn more about this security deposit here.

This card has no annual fee and no foreign transaction fees.