Annual Fee
$0
Welcome offer
No current welcome offer
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Pros & Cons
Pros
- +No annual fee
Cons
- –No purchase protection
Additional Benefits
$0 annual fee. A refundable minimum deposit of $49, $99 or $200 opens your account with an initial credit line of at least $200; deposit more than the minimum within 35 days of approval and before activating your card to raise your initial credit line by up to $1,000. You may earn credit line increases based on payment history and creditworthiness with no additional deposit, and can be considered for an increase in as little as six months. Your deposit can be earned back as a statement credit through responsible use, or is refunded when you close the account and pay the balance in full. No replacement card fees and no authorized user fees. Account status is regularly reported to the three major credit bureaus. Free access to CreditWise from Capital One. No foreign transaction fees.
Terms & Conditions
Card Features
- No annual or hidden fees. See if you’re approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It’s free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One’s mobile app
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Capital One. All trademarks are property of their respective owners.