LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit Cards / Secured
Credit card review

Capital One Platinum Secured Credit Card Review

Capital OneMastercardSecuredNo annual fee

Capital One Platinum Secured Credit Card earned 4.0 / 5 in our 2026 review. The Capital One Platinum Secured Credit Card earns no rewards with no annual fee. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-04-29
Capital One Platinum Secured Credit Card credit card
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TL;DR
Annual fee
$0
Signup bonus
None
Top reward rate
No rewards
Intro APR
None
Issuer
Capital One
Network
Mastercard
Min credit score
300
Fintiex rating
4.0 / 5
Pros
  • +Security deposit as low as $49, $99, or $200 depending on creditworthiness
  • +$200 initial credit line with a $49 minimum deposit
  • +No annual fee
  • +No foreign transaction fees
  • +Automatic account review for credit line increase in as little as 6 months
  • +Free CreditWise credit monitoring
  • +Reports to all three major credit bureaus (Equifax, Experian, TransUnion)
  • +Lock or unlock your card instantly via the app
Cons
  • -No rewards or cash back
  • -High ongoing APR (29.99%)
  • -Security deposit required (refundable)
  • -Credit limit initially tied to deposit amount
  • -No intro APR offer

Rewards detail

The Capital One Platinum Secured Credit Card is built for credit building, not rewards. There is no cash back or points program attached to spending. The value here is in reporting positive payment history to all three credit bureaus while you rebuild your score.

Rates and fees

Annual fee
$0
Purchase APR
29.99%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
29.99%
Cash advance APR
29.99%
Balance transfer fee
None
Foreign transaction fee
None
Who it's for

The Platinum Secured Credit Card is built for people who want a secured or no annual fee card. Most approvals land at FICO 300 and above, but issuers prefer scores near 550. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best secured cards roundup.

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Frequently asked questions

Does the Platinum Secured Credit Card have a foreign transaction fee?
No. The Capital One Platinum Secured Credit Card charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Platinum Secured Credit Card?
Approvals typically start around a FICO score of 300, but Capital One prefers 550 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
Does the Platinum Secured Credit Card have a welcome offer?
No. The Capital One Platinum Secured Credit Card does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the Platinum Secured Credit Card have a 0% intro APR offer?
No. The Capital One Platinum Secured Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 29.99%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Platinum Secured Credit Card?
$0. The Capital One Platinum Secured Credit Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Platinum Secured Credit Card worth it?
Fintiex rates the Capital One Platinum Secured Credit Card 4.0 out of 5 for 2026. It is best for secured and no annual fee. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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