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Offered by: Capital One
Apply by phone: 1-866-960-8706

Capital One® Secured MasterCard®

  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • 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

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
542
Typical Low: 462
Typical High: 629
   

N/A

24.9%*

N/A

24.9%*

 

Variable

 

Variable

Additional Details

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

24.9%* Variable

Annual Fee

$0

Late Fee

Up to $35

Cash Advance Fee

See Terms

Balance Transfer Fee

$0

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

$0

$0

$0

Interest Savings on Transferred Balance

$0

$0

$0

Interest Savings on New Purchases

$0

$0

$0

Value of Rewards on New Purchases

$0

$0

$0

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$0

$0

$0

Total Savings over 3 Years

$0

Credit Card Usage Profile

Transfer a Balance
Edit
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Current Balance
Credit Limit Utilized

Sample Size: 97,465
Data Created: February 02, 2015



843 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

CLI - Surprise Helpful to 9 out of 12 people

I opened this card in November with a $49 deposit.  They gave me a $200 credit line.  After a month, I added an additional $100.  I called a few weeks ago to ask if I was enrolled in credit steps (because I am with my $500 unsecured Cap One).  I was informed I was not and would not be getting an increase.  I decided to go online and request an increase anyway.  Unsurprisingly, I was denied.  Well, this morning, I went to check my balance, and It said I had a credit line of $600!  I know it's not the greatest line of credit, but I couldn't be happier.  I just wanted to give some of you hope who may be discouraged about going with this card, or having this card and thinking you will never see an increase.  Except for last month, when I broke my ankle and was out of work, without pay, I had paid in full, prior to my due date.  I hope this helps someone.  

Deanett72's response was:    

 
May 23, 2015

Deanett72(5, 28)

Excited to start rebuilding my credit Helpful to 13 out of 15 people

Received an approval last week paid my deposit of 200 now waiting on the card 

Marrissia89's response was:    

 
May 18, 2015

Marrissia89(3, 14)

Good care for bad credit Helpful to 22 out of 23 people

I got this card almost a year ago to start rebuilding my credit. I didn't see a change the first couple months but my score is much higher today. I also paid off some old debt which may have also helped. I usually pay everything I use the card for off immediatly.  I would recommend this card but you should not expect instant results. 

koreyk's response was:    

 
May 18, 2015

koreyk(1, 22)

See all 843 Reviews of Capital One® Secured MasterCard®

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from November 2014 through April 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.