Capital One Platinum Secured Mastercard
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferNo sign-up bonus. The Capital One Platinum Secured Mastercard is positioned as a pure credit-builder product, not a rewards or welcome-offer card.
Benefits and fees last verified Jun 2026against the issuer's published terms.
Earning Rates
Travel & purchase protections
2- $0 fraud liability for unauthorized charges (Mastercard Zero Liability + Capital One coverage)
- Eno, Capital One's virtual assistant: automatic merchant fraud alerts, free virtual card numbers for online purchases, subscription tracking, and free-trial expiration alerts
More benefits & fine print (10)ShowHide
- Refundable security deposit of $49, $99, or $200 (tier assigned at approval based on creditworthiness) opens an initial credit line of at least $200, so qualifying applicants can receive a $200 credit line for as little as a $49 deposit (a feature unique to Capital One's secured products vs. dollar-for-dollar secured cards)
- Option to deposit more than the minimum, up to $1,000, within 35 days of approval to raise the initial credit line above $200
- No interest is applied to the security deposit while Capital One holds it as collateral
- Automatically considered for a higher credit line in as little as 6 months of responsible use, with no additional deposit required for the credit line increase
- Eligible to graduate to an unsecured Capital One card with continued responsible use; security deposit is returned when the account is upgraded or closed in good standing
- Card design does not display the word 'secured' on the face of the card
- Reports to all three major U.S. credit bureaus (Equifax, Experian, TransUnion) every month, unlike prepaid or debit cards
- Pre-approval check available with no impact to credit score before formal application
- Free access to CreditWise for ongoing VantageScore tracking, dark-web surveillance, and Social Security Number monitoring (available to anyone, cardholder or not, but integrated into the Capital One mobile app)
- Apple Pay, Google Pay, and Samsung Pay support
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View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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