Capital One Platinum Secured
What this card costs, and how easily you get in.
The deposit starts at $49 instead of a flat few hundred, and Capital One says you could move to an unsecured card in as little as six months.
Terms apply. See rates & fees on Capital One. Rankings are pure math, never sold.
What it costs to start
Someone starting out or rebuilding, with no spending assumed. Figures as of October 2, 2026, the day the terms were last verified.
Opening it takes a $49 refundable deposit, and holding it costs $0 a year. Capital One runs a credit check when you apply. The way out: Pay on time and you could earn your deposit back and move to an unsecured card in as little as 6 months. For anyone starting out, it places first of the 6 building credit cards we’ve confirmed.
Of the 6 building credit cards we’ve confirmed, its deposit is the third lowest, and 5 charge no annual fee. Of those 6, 4 run no hard credit check. Just below it is the Capital One Quicksilver Secured. It has the clearest way out: pay on time, get your deposit back, move to the unsecured Quicksilver.
Who it fits
It fits if
- You want a path to an unsecured card from the same bank.
- You want it to cost nothing to hold.
Look elsewhere if
- You cannot set aside $49 for the deposit.
- A hard credit check would set you back right now.
Plain facts
- Who gets approvedFair credit / thin file. Built for thin or rebuilding credit. No minimum score required.
- The issuer’s terms governRates, fees and bonus conditions are set by Capital One and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Capital One’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 the one figure it watches here was still printed there. How we check
What people ask about it
Do I get the deposit back?
Yes. The $49 minimum deposit is refundable.
How do I move on to an unsecured card?
Pay on time and you could earn your deposit back and move to an unsecured card in as little as 6 months.
What does it cost over the first two years?
Nothing. There is no annual or monthly fee.
Where it shows up
Every ranking and comparison with the Capital One Platinum Secured in it, each computed the same way.
- Best card for building creditCapital One Platinum Secured first, from a $49 deposit.
More cards like this
- Yearly fee $0Capital One Quicksilver SecuredCapital One · for fair credit or a thin file, $200 refundable deposit
- Yearly fee $0OpenSky Plus Secured VisaOpenSky · for no credit history, no credit check and $300 refundable deposit
- Yearly fee $0Varo BelieveVaro · for no credit history, no credit check and no deposit
The three building credit cards beside this one on our list of every card. See every card