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card art for the Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card

No annual or hidden fees. See if you're approved in seconds

Ideal for rebuilding or building credit. You can earn your deposit back with responsible card use and upgrade to a standard, unsecured Platinum card. Terms apply.

  • No hidden fees: no foreign transaction fees, replacement card fees, or authorized user fees.
  • Automatic credit line reviews in as little as 6 months.
  • Credit reporting to all three major credit bureaus.

Annual Fee: $0

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Naam Wynn's avatar

Naam Wynn's Take

The Capital One Platinum Secured Credit Card stands out as an excellent choice for building credit affordably. Its major appeal lies in the $0 annual fee and an initial $200 credit limit, obtainable with a refundable security deposit that may be as minimal as $49. The deposit amount can vary to $99 or $200, tailored to align with your credit history and financial situation. This card offers a cost-effective and flexible way to enhance your credit score.