Capital One
Capital One Platinum Secured Review
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People building or rebuilding credit who want a low, tiered refundable deposit
Updated for 2026
Overview
The Capital One Platinum Secured is a deposit-backed card designed to help people build or rebuild credit, with a tiered refundable deposit as low as $49 for a starting line of at least $200. It has no annual fee and reports to all three credit bureaus, though it earns no rewards. Approval is never guaranteed.
| Annual fee | $0 |
|---|---|
| Regular APR | 28.99% variable |
| Welcome bonus | None |
| Rewards | None — this card does not earn rewards |
| Recommended credit | Designed for building or rebuilding credit (limited or poor credit) |
Pros & cons
Pros
- Low tiered refundable deposit of $49, $99, or $200 for an initial credit line of at least $200
- No annual fee and reports to all three major credit bureaus
- Automatically considered for a higher line with responsible use
Cons
- High 28.99% variable APR, so carrying a balance is expensive
- No rewards and a low starting credit line
Compare with similar cards
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