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Capital One® Secured MasterCard®

Capital One® Secured MasterCard®

on Capital One’s secure website


• No annual fee, and all the credit building benefits with responsible card use

• Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus

• You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness

• Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed

• Easily manage your account 24/7 with online access, by phone, or using our mobile app

• It's a credit card accepted at millions of locations worldwide


Your security deposit can get you a line up to $3,000

Annual fee




Rewards rate


Sign up value


Minimum credit

Capital One® Secured MasterCard®

Security is a drag.

I had poor credit, so I had to apply for a secured card after being knocked back for various other ones. That’s a bit of a drag considering my CL is so low but I’ve got the card now, and am working toward building my credit up.
Capital One® Secured MasterCard®

Helping my credit, very slowly.

I’ve had this card about 11 months now. I thought I’d apply for a secured card to better my chances of getting approved, which I did. My FICO has slowly improved, but it’s been slow and my CL has only increased slightly despite my FICO having increased. I was hoping my CL would better reflect my FICO but oh well.
Capital One® Secured MasterCard®

Good card.

I had trouble getting a credit card, not because I had bad credit but because I’d not had credit before so I had no history. I thought rather than apply everywhere I’d just cough up a deposit and get a secured card. The application process wasn’t as easy as I thought, and it was time consuming but I heard that’s to be expected with secured cards. My patience paid off, because I’ve now got the card and am well on my way to building myself some credit history.

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