Capital One Platinum Secured Credit Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Capital One Platinum Secured Credit Card4.2/5

Capital One

Annual fee
$0
Rewards rate
0%-0%
Welcome Bonus
N/A
Apply Now →on Capital One's website
Regular APR:28.99%

  • No rewards breakdown available

Welcome Bonus:

N/A

Reward Rate:

No rewards or cash back.

APR:

28.99%

This card shines for its ability to help individuals with bad or no credit build their score through responsible use. While it lacks rewards, the Capital One Platinum Secured Credit Card offers a clear path to improving creditworthiness and potentially upgrading to an unsecured card.

Pros:

  • No annual fee
  • Path to unsecured credit

Cons:

  • High APR
  • No rewards
Apply now →

The Capital One Platinum Secured Credit Card is well-suited for individuals looking to build or rebuild their credit history, particularly those with limited or poor credit scores. While it does not offer rewards or a welcome bonus, its $0 annual fee and potential for upgrading to an unsecured card make it a practical choice for responsible credit use.

Frequently Asked Questions