Platinum Secured
No annual fee. Purchase APR 28.99%, variable.
- Annual fee
- Issuer's pagecapitalone.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagecapitalone.com
“28.99% variable APR”
- Foreign transaction fee
- Issuer's pagecapitalone.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
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 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 90% of the 49 cards on our Secured list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer's pagecapitalone.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagecapitalone.com “28.99% variable APR” |
| Foreign transactions | Issuer's pagecapitalone.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- 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.
Questions
- What is the annual fee?
- $0 capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. capitalone.com, since Oct 4, 2026
- What is the purchase APR?
- 28.99% APR capitalone.com, since Sep 29, 2026
- What credit do you need?
- Rebuilding capitalone.com, since Sep 29, 2026
Other secured cards without rewards with no annual fee
- 14.9% Share Secured VisaMid American Credit Union · No annual feeabout the same
- 9.9% Share Secured VisaMid American Credit Union · No annual feeabout the same
- BankAmericardBank of America · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).