Beta

Every feature is free during beta. No credit card, no catch.

Skip to content
RewardZ Travel
All Cards
Verified Jun 2026

Capital One Platinum Secured Mastercard

Capital One Miles
Capital One|Personal
/5
Annual Fee
$0

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 Offer
Is this card worth it?
Annual fee
$0
Best for
Secured

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 Offer

No 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

0x
all purchases

Capital One Platinum Secured Mastercard

Capital One

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-06-17

No publishable welcome offer (no-current-offer).

Computed 2026-09-16T07:32:57.020Z from the facts above. This is a request-time answer, not something we monitor for you.

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)Show
  • 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

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

Compare cards side by sideBrowse all cards
How we verified this card (2 sources)Show

Sources last reviewed May 2026.

Spotted something off? Report an issue. Read our verification methodology.

See the Current Offer

View Offer

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.

Use this for a trip

Have a trip in mind?

Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.

Start a trip search
Affiliate disclosure: Some links on this page are affiliate links. We earn a commission if you click and complete a qualifying action (sign up, book, buy points), at no extra cost to you. We only feature offers we'd use ourselves. Full disclosure.