Capital One® Secured Mastercard®
Sponsored Card
- Minimum Credit Required:
Limited History, Bad - Network: MasterCard
- Online Response:No
- Secured Credit Card:Min Deposit of $200
- Rating:
- Get the credit you need with no processing fees or application fees.
- Automatic reporting to the 3 major credit bureaus.
- Track credit with access to your credit score and other tools.
- Your refundable security deposit can get you a line up to $3000.
- You may qualify for credit line increases with no further security deposit required.
- Use it like any MasterCard credit card, accepted at millions of locations worldwide.
| Annual $29 |
Monthly None |
| Account Set-up None |
Program Fee None |
| Purchase Rate 22.9% (V) |
Cash Advance Rate 24.9% (V) |
Cash Advance Fee 3% (min $10) |
Max Late Fee  $19 |
Max Overlimit Fee None |
Max Penalty APR None |
If you currently have the Capital One® Secured Mastercard® and are satisfied or you like the terms of this credit card offer please let your friends know.
If you are interested in the Capital One® Secured Mastercard®, check out the following credit cards as well:
Compare the Capital One® Secured Mastercard® against other major online credit card offers.
Capital One® Secured Mastercard® is related to the following credit card categories:
We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Capital One® Secured Mastercard® shown on this page.
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The best tool people who want to rebuild their credit have at their disposal is a secured credit card; that much is clear. Because secured credit cards report to the credit bureaus, they allow you to add information to your credit files every month and because they require a security deposit which usually doubles as your credit limit, they prevent you from spending beyond your means and also have lower fees than unsecured credit cards. The Capital One Secured MasterCard is a particularly interesting offer because while it is certainly not the most competitive secured card on the market, it is the only PARTIALLY secured card on the market that is reasonably priced. What I mean by partially secured is that your spending limit will likely exceed the amount of the deposit you put down, which means that by opening the Capital One Secured Credit Card you can benefit from the low fees of a secured card and therefore build credit in a cost effective way AND retain spending power without sacrificing too much liquidity. With Capital One’s Secured MasterCard by depositing at least $200 you can get a limit up to $3,000 and be eligible for limit increases without increasing your deposit. This card does have a $29 annual fee though. So who should get the Capital One Secured Card? Primarily people who need to rebuild their credit but trust themselves to spend within their means. In other words, people who want a line of credit and the most spending power possible but who do not want to sacrifice having as much cash in their pockets as possible or need the biggest possible safety net. For comparison sake, the best fully secured card is the Orchard Bank Secured Card because it has the lowest fee structure. You can’t go wrong with choosing it or the Capital One Secured MasterCard, and you know yourself best, so I’d recommend choosing whichever fits your particular needs the best.