No annual fee, and all the credit building benefits with responsible card use
Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
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
Rates, fees & offers
APR: 26.99% Variable APR
Cash Advance APR: 26.99%, Variable
Balance Transfer Fee
Foreign Transaction Fee
Recommended credit score
Not sure which card is best for you?
If you have bad or no credit, a secured card is a great option to improve your credit score. Enter the Capital One® Secured Mastercard®, one of our favorite secured cards on the market. Based on your current credit score, Capital One will determine your refundable security deposit amount -- either $49, $99 or $200 -- which will get you a starter credit limit of $200. You can get a higher initial credit limit by making a larger deposit before activating your card. The maximum credit line is $3,000.
The Capital One® Secured Mastercard® has an annual fee of $0 and no foreign transaction fees. The card's APR is high: The ongoing APR is 26.99% Variable APR -- so make sure you pay your balance in full each month to avoid incurring interest.
Want to learn more about the Capital One® Secured Mastercard®? Check out our full review of the card for details.
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