Building Credit
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.
$0Yearly fee, all in
$49Deposit, refundable
YesHard credit check
Terms apply. See rates & fees on Capital One. Rankings are pure math, never sold.
The terms Capital One
Yearly fee$0
Security depositFrom $49 · refundable
Credit checkYes
Path to a real cardPay on time and you could earn your deposit back and move to an unsecured card in as little as 6 months
Know before you apply
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 August 27, 2026. An automatic check re-reads that page every day. On September 4, 2026 the one figure it watches here was still printed there.
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