Capital One® Secured Mastercard®

Capital One is an Experian Partner

Capital One® Secured Mastercard® Apply Now Apply Now Apply Now
  • No Annual Fee

Recommended FICO® ScoreΘ Rating

Poor, New to Credit, Rebuilding

Get your FICO Score for free
  • Rewards

    N/A*

  • Annual fee

    $0

  • Intro APR

    N/A*

  • Ongoing APR

    26.99% (Variable)

  • Balance transfer

    26.99% (Variable)

Card details:
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
Pros:
  • Available to applicants who are rebuilding their credit
  • No annual fee
  • Considered for a higher credit rate within as little as 6 months
Cons:
  • Refundable security deposit required
  • Low initial line of credit
  • High APR

Experian Review:

Capital One® Secured Mastercard®: A Useful Credit-Boosting Tool

If you’re trying to rebuild your credit, or have no credit history, you may benefit from the Capital One® Secured Mastercard’s helpful features.

Read full review

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

Experian websites have been designed to support modern, up-to-date internet browsers. Experian does not support Internet Explorer versions 10.0 and below. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. It is recommended that you upgrade to the most recent browser version.