Capital One
Capital One Platinum Secured
Cash back only
Annual fee
No annual fee
Welcome bonus
None
Min spend
N/A
Recommended credit
New or rebuilding credit
Offer last verified July 14, 2026. How we verify.
Earning rates
No rewards, but no annual fee either
Features & benefits
Open a $200 credit line with a refundable deposit of as little as $49
Capital One reviews your account for an upgrade to unsecured (deposit refunded), typically in 6 to 12 months
Reports to all three credit bureaus
No foreign transaction fee
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Capital One Platinum Secured lands.
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