Capital One® Secured Mastercard®

Issued by Capital One

Advertiser Disclosure

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Annual Fee

Regular APR

N/A

Additional Information

Balance Transfer Fee

N/A

Purchase Intro APR

N/A

Transfer Intro APR

N/A

Late Payment Fee

$38

Returned Payment Fee

See Terms*

Cash Advance Rate

24.99% (V)

Cash Advance Fee

3% (min $10)

Foreign Transaction Fee

Smart Chip

Yes, chip-and-signature

Sponsored Links

Sign-up Bonus

None

Rewards

Balance Transfers:

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A

Regular Balance Transfer APR 26.99% Variable

Balance Transfer Fee $0

Costs:

Annual fee

Penalty APR

N/A

Late Fee

Up to $39

Returned Payment Fee

None

Additional Cards Annual Fee

N/A

Foreign Transaction Fee

None

Foreign transaction fee

None

Getting started is easy

Complete and submit your application for a Secured Mastercard from Capital One.

Upon approval of your application, you’ll be notified of the security deposit amount required for your account.

Make your security deposit, and receive your card in 2-3 weeks.

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even wors

Application Requirements

Minimum credit score

Fair

Minimum Age

18 years old

How To Apply Capital One® Secured Mastercard®

If you are keen to apply for the Capital One® Secured Mastercard®, simply click on the "Apply Now" button below to be taken to the credit card official website to complete the credit card application form. Our website will not record any personal information about you, and the whole process will not affect your credit score.
To complete the form, you should enter your name, address, telephone number and email address in the application form. You may also need to list your annual income and monthly mortgage or rent.
The credit card also asks for your date of birth, social security number, mother's maiden name, and driver's license number as part of its credit check.
When you have completed the form, the application needs to be reviewed, and you will receive your Capital One® Secured Mastercard® soon if your audit passes.

Apply Now

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How To Use Capital One® Secured Mastercard®

Where Can You Use

It can be used anywhere MasterCard is accepted.

Pay Your Bill On Time

You need to make on-time payments. A late payment could hurt the credit score or the limit of your credit card.

Something About The Card

You need to make all payments on time to avoid incurring penalty fees (not to mention a hit to your credit report). Consider signing up for autopay so you don't forget. Making timely payments is one of the best ways to establish a healthy credit history.
You should consider increasing your initial credit line by making a higher-than-required security deposit. Doing so can help improve your credit utilization ratio, another major factor in your overall credit score.
Avoid taking cash advances, the fees for which can quickly increase your total amount owed.
You need to pay your regular balance in full every month to avoid accruing higher-than-average interest charges. Not to mention, carrying a balance can make it more difficult to demonstrate your reliability to card issuers.

Credit Card Reviews

51 Reviews

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BellaLL

1 year ago

"Great!"

JudgeJudie

1 year ago

"Ive had this card for 8 months and my credit has gone up 70pts!! I started with a credit in the 520s after 6 months they increased my credit limit by $300. Now my credit is in the 580s. I also had a closed accout not related to this credit card within the time I opened it til now that dropped my credit 17pts. I believe my score would’ve been higher had it not been for that. "

heydadloveyou

1 year ago

"Ok I am going to rate this card 5 stars because I believe all will work out."

snb423

1 year ago

"I got the card to help improve my credit score and build my credit history. Everything was going good with card until Capital One decided to cancel it with no warning at all. I have no missed or late payments and no negative remarks on the account at all. I actually received an email the same day the card was cancelled stating I was approved for a credit line increase. When I spoke with customer service, I was told they cancelled the card because a payment was returned in August. It is now October and multiple payments had been made on the card since then. The returned payment was also a mistake with my banking information and was remade once capital one allowed me to make another payment. I was also told that even though my account was in good standing and had no negative remarks, it couldn’t be reopened and I would have to apply for an account again if I wanted to reopen it. The representative couldn’t tell me any other information on why the account was closed. I also had a payment processed the same day the card was closed. I had another credit card that they closed at the same time and gave me the exact same reasoning of why it was closed. "

Smokinjoejoe

1 year ago

"Capitol One does a great job of monitoring your usage. I applied for an increase at 5 months they denied it and 3 days later gave me an increase anyway. Capitol One is a good and fair company as long as you stay on top of your finances."

Gem1981

1 year ago

"This is a good card for credit rebuilding, but DO NOT MAKE A MISTAKE AND GET A RETURNED PAYMENT!"

Clutch8809

1 year ago

"This is one of the few secured cards with no annual fee, which is why I choose this one. After 5 months of paying my payments on time, my initial $300 secured line was increased to $500. It has helped my rebuild my credit just like I hoped it would. I would reccommend it to anyone in a similar situation. Thanks Cap One!"

TombstoneVTT

1 year ago

"Great for building credit. "

Lyne14

1 year ago

"Got this card 6 months ago with a $200 deposit/credit limit. Initially raised my score about 59 pts from the 500s to 600s. Used the card for whatever and paid the total balance for the first 5 months and my score went up to the 700s and got a raise on the credit limit to $500. With making on-time monthly payments my score being in the 700s got me qualified for the Capital One QuickSilver with a $1000 limit. I never thought I would see the days of a good credit score but I finally did it! Recommend this card for anyone trying to re-establish their credit. If it can work for me....it can work for anyone!"

ExcellentcredithereIcome

1 year ago

"This card is great for rebuilding your credit. I was approved for a $200 credit line and all I had to do was deposited $99. The first month that I use this card I only use 30% of my credit limit and I paid it off in full and my credit score jumped 52 points when I saw that I almost dropped my phone. I would recommend this card to the world thank U capital one for excepting me and helping to rebuild my credit you guys great!!!"

Thisdogrocks

1 year ago

"Capitol One has increased my credit just as they said they would,it has also brought my credit score from 570 to 661 I like it!"

Desperatetobuildcredit1

1 year ago

"Be extremely careful with this card. Dont order anything online and just because there are better cards out there that dont screws you over like this card will. If there is anything wrong with your account dont expect them to help you at all. Customer service is just a person reading your account you have on your phone and dont know which way is up or down. If you could get approved for a different secured card I will advise you to go that route."

supermaan11

1 year ago

"good card to start but laiability to keep , terrible coustmer service , they always use outdated information intinatianally or simply they dont care ,you will stuck in low credit limit for ever,which prompt other banks to give you similer limit ,i suggest to keep it like 6 month and if you get approved for other bank just vcut them loose"

HustleBone

1 year ago

"This card will jump your score drastically with on time payments! I have only made 2 payments and my score jumped almost 100 points. Before I applied I read some good and bad reviews but I can say I haven’t had any problems with this company or this card. Just be responsible and you will see a quick change in your score."

Josbabe84

1 year ago

"It was my first card. It helped me boost my credit score. It was easy to make payments, set things up, and I just overall love this card. I suggest anyone starting over or starting in general to get this card."

Worst card ever Quicksilver

Anonymous

1 year ago

This is the biggest cc scam of all time. They advertise and promise rewards then send you a didn’t offer from your application using same name “Quicksilver”. Apparently there’s 3 different ones. I had originally applied with $300 bonus back, no annual fee, and 0% APR for one year. However, to my knowledge they replaced it with a less appealing offer but said congratulations your approved in an email. This is the worst company and they’re fraud. I’m stuck with the card paying $39 annual fee. I was told it’s a fee added by MasterCard.

milovan

1 year ago

"great card,i put down 200$ they aproved me 400$,after few months they increased me limit to 700$ but my credit score went so high,that i applied for regular card from capital and got it im so happy and capital is great "

Mason5821741

1 year ago

"I love this card I had made a deposit of $500 and got a credit limit of $750 paid on time every month but some months I do carry a balance which I always pay Ive had it since March of 2018 and just last month so September so 6 months I got a increase to $1050 I have 4 other credit cards with a 680 credit score I was wondering if im going to get my deposit back? Has anyone every gotten theirs back."

Granddie

1 year ago

"Hi I’m G, I had this card in 2014 and I used it and I was making my paiement on time and everything till I lost my job and was unable to pay it and my account got sent to collections and charge off. Even after I paid for it and tried to reapply the won’t approve me anymore, it’s been like this since 2015 till this days when I’m applying for the secured credit card they still won’t approve me. I wish they could give people second chance coz I feel like everyone deserves second chances if possible and I think is not fair coz everyone makes mistakes and learn from it by trying to do better next time "

Gr8Crd4me

1 year ago

"Excellent starter card, or for rebuilding credit."

Desertp13

1 year ago

"So far so good. I applied with a 680 and limited credit history. I dropped to 664 after applying but gained 40 points to get to 704 after they reported. Very easy to use. "

jesi1904

1 year ago

"Month one and I am already unhappy. Payment date 14th payment made on the 10th. On the 13th it was rejected (current info could have been inputted wrong). Never get a notification that the payment was rejected. 20th go in to make an extra payment, nothing alerts me to a missed payment. I made this payment and had to re-enter my bank info, which I thought was strange, but maybe I didn’t save it to my account? "

Happygal0891

1 year ago

"I received this card about a year ago with a score of about 600. I believe I paid a $99 down payment and was approved with a $250 limit. It automatically doubled so I now have a $500 limit. I only got it to increase my score and it worked! With the help of this and a couple of other cards my credit is now around 660 and I am getting approved for all kinds of cards...even my first American Express! I use about 7% and pay it every two weeks to stay ahead. Two years ago my score was around 450 so anything is possible if you just try!"

Mspena

1 year ago

"This card is great and also helped ro build my credit quickly and I already have had my credit limit raised."

BritBrat773

1 year ago

"It rebuild my credit fast. I just got an increase to $500 after 6 months but I had them since March 2018 and I never had a problem with Capitol one."

MeauxF

1 year ago

"I started with a secured card with a 200 dollar down payment for a 200 cl. Made payments on time and in 6 months got a credit increase and in 6 more months I was given an unsecured Quicksilver Card. I never requested the increase of unsecured card. Make your payments on time and everything should work out. "

FosterDD964

1 year ago

"Started off with the Capital One Secured Card. I used the card wisely made my payments on time. I not only received a credit increase. I also was approved for and have now an unsecured platinum MasterCard from Capital One. Awesome Customer Service. Awesome Card. Thanks Capital One for giving me a second chance."

JChin2018

1 year ago

"One phone call or you can get the app and all your info about your card to help you manage your account"

yesygangel

1 year ago

"Decent card for rebuilding credit. Just really dislike that I have to close my account in order to get my deposit back. "

Popadude1

1 year ago

"My credit score immediately jumped 55 points as soon as I got it and another 28 as soon as I used it and made a payment on time.. Its perfect for building ur credit score up. I should have got it sooner."

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About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why credits-life born, we aim to help you to find the right credit card, and then successfully apply a credit card.

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Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.

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Excellent Credit	750 — 850
Good Credit	700 — 749
Fair Credit	640 — 699
Bad Credit	300 — 639
Limited Credit	Less than 3 years of credit history