Secured MasterCard From Capital One

Take control and build your credit with responsible use

Take control and build your credit with responsible use

Average Customer Rating Read all 11669 reviews

This card is for people REBUILDING CREDIT.

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Capital One Secured MasterCard: How do I get started?

Required Security Deposit

$49, $99 or $200 refundable deposit based on your creditworthiness

Initial Credit Line

Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line.

Access a Higher Credit Line

Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed

Purchase Rate


Annual Fee


CreditWise® from Capital One®

Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise. It’s free and available to anyone, even if you’re not a Capital One cardholder.1

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Already been approved, but need to fund your card?

Getting started with Secured Card


Complete and submit your application for a Capital One Secured Credit Card.


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.

Card features and benefits

Capital One® cards come with these features

Fraud coverage

You're covered by $0 Fraud Liability if your card is ever lost or stolen.

Personalized payment

Pick your own monthly due date and payment method—check, online, or at a local branch.

24/7 customer service

Get 24/7 access to customer service online, via mobile device, or on the phone.

Secured Card also comes with Platinum MasterCard® benefits2

Extended warranty

You'll get additional warranty protection at no charge on items that are purchased with your credit card.

Auto rental insurance

Rent a car with your credit card and you can be covered for damage due to collision or theft.

Travel accident insurance

Get automatic insurance for loss of life or limb at no extra charge when you use your credit card to purchase your fare.

24/7 travel assistance services

If your credit card is lost or stolen, you can get an emergency card replacement and a cash advance.

24/7 roadside assistance

If your car breaks down or you get locked out, call us and we'll send someone to the rescue.

Price protection

Reimburses you the difference in price on eligible items should you find a lower price for the same item within 60 days from the date of purchase when you pay with your credit card.

View the Complete Guide to Platinum MasterCard Benefits (247KB PDF)

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Use this credit card with Apple PayTM to make purchases on the go.3


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Ratings and reviews

Average customer ratings

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Account Benefits

Rate and fee information

for the Secured MasterCard Credit Card

Frequently asked questions

Learn more about Secured Credit Cards

Making your security deposit

Using your Capital One Secured Credit Card


CreditWise availability will vary depending on ability to obtain your credit history from TransUnion®.


Certain terms, conditions, and exclusions apply. In order for coverage to apply, you must use your covered MasterCard® card to secure transactions. Please refer to your Guide to Benefits for further details. MasterCard® is a registered trademark of MasterCard International Incorporated.


Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.