Capital One® Secured Mastercard®

Card details
on Capital One's secure website
4.8, 2325 votes
Card details
  • 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
Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 24.99% (Variable)
Annual Fee $0
Recommended credit score
350 629 Bad
Our Review
  • No annual fee
  • Access to higher credit line
  • Flexible deposit requirement

Unlike most secured cards, Capital One Secured Mastercard doesn’t require cardholders to make a deposit which equals to their credit line. Besides, people don’t need to come up with the whole deposit upfront. However, people will have a credit limit of $200 for the deposit of $49, $99, $200 depending on the credit score. This card gives cardholders access to a higher credit line without depositing money when making the first five payments on time.


People who want to own this card need to have a checking or savings account. For individuals who have a severely damaged credit won’t be qualified for this card.


Capital One Secured Mastercard will be a great option for people whose credit is not severely damaged. If you are searching for a good credit card for bad credit, take this card for reference.