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Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

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Rates & Fees

Capital One Platinum Secured Credit Card

  • No annual or hidden fees. See if you're approved in seconds
  • Building your credit? Using the Capital One Platinum Secured card responsibly could help
  • Put down a refundable security deposit starting at $49 to get a $200 initial credit line
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Regular APRAnnual FeeCredit Needed
30.74% (Variable)$0Limited, Bad

Offer Details

Acceptance Criteria
Credit Needed
Limited, Bad
APR Overview
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
30.74% (Variable)
Fees And Charges
Balance Transfer Fee
$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you
Annual Fee
$0
Rewards
Reward Type
N/A

249 Product Reviews

Beverly
still no increase
6 months ago

I have had the card for almost 2 years, yes it did help raise my credit score. I have put in for an increase numerous times just to be turned down with a credit score of over 7:30 not really understanding why I can't get it increased. the letter says that my credit usage on the card is too low well I cant increase it if you don't increase the limit

Billy
Capital one
7 months ago

Have had this card just a few months,never had an issue always paid on time and have seen my score jump from 534-623 in about 3 months thanks capital one for giving me the chance and opportunity

Carlton
Grateful
8 months ago

I applied to this card and got approved 6 months after getting approved for Credit One Credit Card, I been making my payments on time and my credit score went up from 550 to 605 in just 6 months, so I am excited to see what this card will do, I been working on my credit for a couple of years now and I have to say It feels good to see my score in the 600's. If you are rebuilding your credit stay positive and keep at it...

Bryson
Builds credit starting off
10 months ago

"I applied to this card shortly after I turned 18. I had completely zero credit to my name and no money. With under 2 months of work experience with my new job they approved me but to say this card helped me is an understatement. In the first 3 months my score went from nonexistent to a 645 which was mind blowing. Yea the Apr rate sucks but pay it off once in a while. My score is a 748 now after 9 months. I even just bought me a brand new truck cause of this card. Use it wisely and you’re set."

Tracy
False advertising-No security deposit refund or credit increase!
11 months ago

I put down a $1000 security deposit for a higher credit limit & also because I thought Id get my deposit back after having my card for over a yr I requested increase & they denied me saying they dont increase credit for secured cards & theyd only give me deposit back if i close my acct! I like the card but its false advertising! I do love the app & that they apply pymts instantly but bummed ill never get credit increase or my $ back- had id known i wouldnt have put that much down!

Stacy Lynn Johnson
8429 smokey creek pass Fort Worth,TX 76179
11 months ago

"\"I applied for this card and the only problem was someone making unauthorized charges. I contacted Capital One who fixed the issue and sent me a new card right away and very understanding. Have had the card now and use it often, and I have had no issues since. Thank you CapitalOne! Great customer service and company!\"\ncredit\nsesame\nI have no credit yet I still got this card\nJamee\nThey will pretty much approve anyone. I never thought I"

Eric
No good
1 year ago

Had the card for 15 months always paid on time. Then all of sudden they cancelled my card. Had 601 credit score when I got, now have 639 credit score. My income is more now, so makes no sense. Asked them why, and they couldn’t give me a answer.

Rebecka
Great App
1 year ago

I like the way the app breaks everything down & explains what everything means!!!

Adam
Great for rebuilding credit and as a company, very helpful and understanding!
1 year ago

"I applied for this card and the only problem was someone making unauthorized charges. I contacted Capital One who fixed the issue and sent me a new card right away and very understanding. Have had the card now and use it often, and I have had no issues since. Thank you CapitalOne! Great customer service and company!"

Jamee
I have no credit yet I still got this card
1 year ago

They will pretty much approve anyone. I never thought I would get approved but I did and for their max. It's a good starter card for kids in their early 20s like me, just pay more than they want you too and pay it early and if you can pay it off each time. If you can't at least make double payments.

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Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

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† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

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