Capital One credit cardChecked Oct 10, 2026Updated Oct 9, 2026Our illustration in the card’s colours, not its design

Capital One Platinum Secured

No annual fee. Purchase APR 29.24%, variable.

Annual fee: Issuer's pagecapitalone.com
The source states this figure; we have no exact sentence on file yet.
Checked Oct 10, 2026Open on capitalone.com Report a problem
Purchase APR: Issuer's pagecapitalone.com
“29.24% variable APR”
Checked Oct 10, 2026Open on capitalone.com Report a problem
Foreign transaction fee: Issuer's pagecapitalone.com
“No foreign transaction fees.”
Checked Oct 10, 2026Open on capitalone.com Report a problem

We don’t earn anything from this link. Select any underlined figure to see where it comes from.

What it's worth

The spending each assumes, a month

Light spender: groceries $300, dining $100, gas $100, everything else $500
Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500

Estimates from the published terms above, as checked Oct 10, 2026; not advice. How we value cards

No annual fee, like about 90% of the 48 cards on our Secured list (see the list).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Rates and fees for the Platinum Secured, each with its source
Annual fee	Issuer's pagecapitalone.com The source states this figure; we have no exact sentence on file yet. Checked Oct 10, 2026Open on capitalone.com Report a problem
Purchase APR	Issuer's pagecapitalone.com “29.24% variable APR” Checked Oct 10, 2026Open on capitalone.com Report a problem variable
Foreign transactions	Issuer's pagecapitalone.com “No foreign transaction fees.” Checked Oct 10, 2026Open on capitalone.com Report a problem

No foreign transaction fees.
With responsible card use, the security deposit may be earned back as a statement credit and the account may be upgraded to an unsecured Platinum card.
The card status is regularly reported to the three major credit bureaus.
CreditWise from Capital One provides unlimited free access to a credit score and credit-management tools, including for people who are not Capital One cardholders.

What is the annual fee?: $0 capitalone.com, since Sep 29, 2026
Does it charge a foreign transaction fee?: No. capitalone.com, since Oct 8, 2026
What is the purchase APR?: 29.24% APR capitalone.com, since Oct 8, 2026

Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).