Capital One Platinum Secured Credit Card

Capital One Mastercard Platinum Pending

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8

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: platinum-secured

Issuer: Capital One

Card Name: Capital One Platinum Secured Credit Card

Card Type: Credit

Network: Mastercard

Card Tier: Platinum

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 11:52

Last Scraped: Feb 06, 2026 13:21

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 8 Total
PENDING
Financial 3
No Annual Fee
$0 annual fee

There is no annual fee for this credit card.

Potential for Credit Limit Increase

You could get a higher credit line with no additional deposit needed after making your first 6 monthly payments on time.

Choose Your Monthly Due Date

Flexibility to choose your own monthly payment due date.

Lifestyle 1
CreditWise from Capital One
Free access

Access to CreditWise from Capital One, which allows you to monitor your credit score and get alerts for potential changes.

Security 4
$0 Fraud Liability
$0 liability

You are not responsible for unauthorized charges if your card is lost or stolen.

Security Alerts

Get alerts by text, email, or phone if Capital One notices suspicious activity on your account.

Virtual Card Numbers

Shop online with a virtual card number to help protect your actual card number from being compromised.

Account Lock

Instantly lock your card from the Capital One Mobile app if it's lost or stolen to prevent unauthorized use.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: None
Cash Advance: Either $5 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Capital One Platinum Secured card for 2026 is designed for individuals looking to build or rebuild their credit. Eligibility typically requires a security deposit (which can range from $49, $99, or $200, up to $1,000, based on Capital One's assessment of your creditworthiness). Applicants must be at least 18 years old, a U.S. resident, and possess a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). While there isn't a strict income floor, applicants must demonstrate an ability to make payments. Capital One generally limits new card applications to one every six months across all their products. The Platinum Secured card typically does not offer a sign-up bonus. The 'once per lifetime' bonus restriction, as seen with the Venture X card, is specific to that card's sign-up bonus and does not apply to the Platinum Secured card.

Max Cards Per Issuer: 2

Min Spend Interval: N/A - No sign-up bonus offered for this card.

Shutdown Risk Triggers: Common triggers for account shutdown or adverse action include: manufactured spending (less common for secured cards due to lower limits, but still a general risk), bust-out fraud (applying for credit with no intent to pay), repeated late payments or defaults, suspicious activity inconsistent with typical spending patterns, attempting to use the card for illicit activities, providing false information on the application, or a sudden, significant increase in credit seeking across multiple issuers.

Cliff Effect Rules: Capital One generally enforces an application frequency rule, limiting new card approvals to one every six months. The 'once per lifetime' bonus restriction applies specifically to the Capital One Venture X card's sign-up bonus, preventing individuals from receiving that particular bonus multiple times. This rule does not impact the Platinum Secured card, as it does not offer a sign-up bonus.

Special Events: N/A - Not a store card.

Holiday Promos: N/A - Secured cards rarely have specific holiday promotions.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Easy approval process for those with limited or bad credit, helps build credit history effectively, no annual fee, offers a path to an unsecured card.

Top Negative:
Requires a security deposit, low initial credit limit, no rewards program, high APR for purchases.

Approval Experience: 82.5 / 100

Recommended Alternatives
  • Capital One Quicksilver Secured
  • Discover it Secured
  • Capital One Platinum Credit Card

Card Value Score: 88.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0