Capital One® Secured Mastercard®

welcome offer

There is no welcome offer on this card.

Bonus Cash Value

Approximately $0*

Annual Fee

$0

Card Rewards

No cashback on all purchases

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

Capital One Secured card requires a low-security deposit of $49, $99 or $200 (based on approval). It is a great starting point for those looking to start building credit.

Card-Smart Tips & Advice
  • Secured Credit Card - No Credit Needed
  • Capital one will only allow you to have a total of 2 Personal Capital One Branded Credit Cards (excluding Co-Branded Credit Cards)
  • You can only get approved for 1 Capital One card every 6 months
  • Capital One will do a hard credit inquiry by all 3 Credit Bureaus (You can freeze 1 credit report and still get approved)
  • You can check your application status by calling 1 800 903 9177 or 1 877 277 5901
  • If declined you can call 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error)
Card Details And Benefits
  • Earn credit line increase after making your first 5 monthly payments on time
  • 24 hour travel assistance services
  • Roadside Assistance
  • No Foreign Transaction Fee
  • Auto Rental Collision Insurance
  • Travel Accident Insurance
  • Extended Warranty Protection

Compare Secured Cards

 
Annual fee Minimum Deposit Rewards Perks
Discover It Secured $0 $200  Earn 2% cashback on gas and restaurants on up to $1,000 spent each quarter. Unlimited 1% cash back everywhere else. Plus, all cashback earned the first year will be matched. No foreign transaction fees, free Fico score
Capital One Secured $0 $49, $99 or $200 (the final amount will be determined by Capital One after submitting your application) No rewards on any purchases No foreign transaction fees, auto rental collision waiver, purchase protection, extended warranty protection 
Bank of America Secured Card $0 $300 No rewards an any purchases Free Fico score
Citi Secured MasterCard  $0 $200 No rewards an all purchases Citi Identity theft solutions
TD Bank Secured $29 $300 Earn 1% cashback on all purchases Instant Credit Card replacement
 

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers.