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

Capital One® Secured MasterCard®

  • 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-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
552
Typical Low: 466
Typical High: 639
   

N/A

22.9%*

N/A

22.9%*

 

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

22.9%* Variable

Annual Fee

$29

Late Fee

Up to $19

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

‑$29

‑$29

‑$29

 

Savings

Total Annual Savings

‑$29

‑$29

‑$29

Total Savings over 3 Years

‑$87

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: $29
  • 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



786 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

A great Good Credit Kickstarter! Helpful to 7 out of 8 people

I applied for this card in Aug of 2014. I was approved for $200 with a $99 deposit. I sent that in and got my card extremely fast. I put my Netflix and Hulu accounts on the card ($17 dollars a month) and pay that off online the week before it's due just to make sure I'm on time. My credit score went from 545-585 in two months. In December my $200 limit was increased to $500. I was also pre-approved for a Capitol One Quicksilver CC with a $500 limit. I just use that for my Starbuck card reload (maybe $20 a month) and pay that off. My credit score is at 671 for Transunion and 686 for Equifax. I'm thinking of applying for a Chase card but don't want too many hard inquiries on my credit (I already have 8) Thank you Capitol One for helping me regain a Good Credit standing :)

Geminigirl80's response was:    

 
Mar 03, 2015

Geminigirl80(2, 10)

Great card! Helpful to 38 out of 40 people

I would like to share my success story that I had with this card. I realized that my credit profile was thin and needed to establish credit but did not know how. I applied for this card 2 years ago and was approved for a $200 limit with $49 deposit. Well I did not accept the offer. Later next year I applied again making my mind up that I was going to do this thing only this time I was approved for a $200 limit with a $200 deposit. I said to myself "I had better go ahead with this thing before they decide not to approve me the next time." So I coughed up the $200 and they sent me my new card. I could not have been more happier. I made regular payments on this and paid early most of the time before my bill was due each and every month. After six months Capital One did an automatic review and gave me a $300 unsecured increase making the card partially secured. Six months after that I checked their site for the pre-qualify offers and it recommended me for an unsecured platinum mastercard or a quicksilver one cash rewards card. I applied for the rewards card and was instantly approved for $500. My first unsecured card. Made a few more on time payments to both cards and applied for a Chase Freedom card. Got approved for a $1,200 credit limit from Chase. I would not be here now if it weren't for Capital One giving me a chance. Thanks Capital One. I will not be closing any of my accounts with you. Now I am working on building my credit up further to qualify for a house. Won't be long now. ;)

bullet231's response was:    

 
Mar 01, 2015

bullet231(1, 38)

So happy with this card! Helpful to 39 out of 42 people

I've had this card for 2 yards. I was originally approved for the $49 deposit/$200 credit limit. I sent in a deposit of $100 (I like round numbers) and had a limit of $251 for the first 18 months. They upped my limit to $750 automatically last summer with no additional deposit. I was recently approved for a Quicksilver One card too! I'm working on clearing up my credit which is currently in the mid/high 500s and Capital One has been the bank that has given me a chance.

lissa612's response was:    

 
Feb 28, 2015

lissa612(2, 40)

Great Rebuilder!! Helpful to 74 out of 78 people

I applied for this card in Sept 2014, after being denied in Jan 2014. My credit at the time was around 530 when I got approved. Put a deposit down of $225 and, because the limit was low, used it and paid it off a couple times monthly before my due date. Payments go through within 1-2 business days so it's really easy to make payments, instead of other CC that hold your payment for up to 10 business days. Helped bring my score up to 560 in 3 months and was able to get approved for Capital One Platinum (unsecured) and Capital One Quicksilver (both $500 limit)!! 

Defintely recommend! 

reblder's response was:    

 
Feb 25, 2015

reblder(2, 104)

Awesome Helpful to 41 out of 43 people

As a careless young man in my college days, like a lot of other people on earth, I damaged my credit because I didn't think that credit really meant anything at the time. As I got older, that's when I realized how having credit makes a big difference. After several attempts of applying for credit and being denied, I was told by a friend to apply for the Capital One secured card. I did. I applied for this card in November 2014. I was approved for $200 with a $99 required deposit. I sent an additional $150 to increase my limit to $350. After using 42% and 44% of my credit utilization, and paying the balance off in full for Jan 2015 & Feb 2015, my TU score went from 568 to 581, Equifax 637, CK 655, and I currently am waiting for my credit report from Experian to see my score. I will keep you posted. I just want to say thank you Capital One for giving me a second chance. I am looking forward to increasing my score at least another 20 points and then I will apply for the Classic or Platinum Capital One Card. 

4thquarter's response was:    

 
Feb 25, 2015

4thquarter(1, 41)

See all 786 Reviews of Capital One® Secured MasterCard®

† These Approval Odds represent Credit Karma’s estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to 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 September 2014 through February 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.