Capital One® Secured Mastercard®


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.

Card Quick Facts

Card Quick Facts

  • No annual fee, with all the credit building benefits
  • Your minimum security deposit gets you a $200 credit line; you can deposit up to $1,000 to get a $1,000 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Free access to one of your credit scores, and learn how everyday decisions can affect your score using Capital One Credit Wise
  • Easily manage your account 24/7 with online access, by phone, or using the mobile app

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 26.99% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit $200
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $38
Returned Payment Fee None
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 26.99% Variable
Balance Transfer Fee $0
Cash Advances

Cash Advances

Cash Advance APR 26.99% Variable
Cash Advance Fee 3%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Account Alerts

    Get alerts about account information on your phone.

  • Mobile & Tablet Apps

    Manage your account from your phone or tablet.

  • Capital One Wallet℠

    Provides charge notifications, account balances, available credit, and rewards earnings.

  • Capital One CreditWise

    Free access to your VantageScore 3.0 credit score from TransUnion. And with the Credit Simulator, you can see how your actions affect that credit score.

  • Financial Tools & Tips

    Educate yourself on credit with Capital One resources.

  • Zero Liability Protection

    You will not be held responsible for unauthorized use of your card.

  • Capital One Second Look℠

    Capital One monitors your account for unusual and duplicate charges.

  • Extended Warranty Protection

    Extends a manufacturer’s warranty by up to 1 additional year, for warranties of 3 years or less.

  • Price Protection

    If you find an item you purchased being advertised at a lower price within 60 days, you can be reimbursed the difference.

  • Travel and Emergency Assistance

    Provides help with travel emergencies, including emergency card replacement, cash advances, and more.

  • Travel Accident Insurance

    Covers you and your family in case of accidental death and dismemberment while traveling.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision for eligible rental vehicles, as long as the car rental company’s own insurance is declined.

  • Mastercard Global Service

    Provides help with travel emergencies, including emergency card replacement or cash advances.

  • Roadside Assistance Hotline

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 1 reviews
by walter
Cap one Secured Card is the Real Deal!

I have several different secured cards in my wallet at the moment, and the Cap One secured Master Card is by far the most user friendly card I have experienced.

Their smart phone application is unbelievable. You can log on, check balance, see next payment, and pay your card at the touch of a button, from anywhere in the world. It's just amazing.

And, they actually answer the phone when you call....and you never have to call because the smart phone ap is so good it sends you an alert after each purchase and when you get close to your limit.

I have First Progress card too. They are the exact opposite. No on line payment mechanism. No smart phone application. It's a real challenge to reach this lender and to manage your card, and they have no desire to provide easy access to their system on line. A real nightmare trying to get in touch with First Progress. Worst customer experience I have ever had.

Cap One Rocks. Start with these guys. You won't be disappointed.

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