Secured MasterCard From Capital One review

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Advertiser Disclosure

Annual Fee
$0.00
Minimum Deposit
$49.00
Interest Rate: Purchases
24.99
Balance Transfer
24.99


8.2/10
Informr score
The Secured MasterCard From Capital One currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 14 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Secured MasterCard From Capital One is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA
Yes Provide a minimum security deposit of $49.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

Despite the lack of a rewards program, the Capital One Secured Mastercard’s low security deposit, reasonable fees and shorter pathway to a higher credit line makes it a good option for credit-building consumers.

- Kelli Bamforth, CreditCards.com
The Ascent

This card includes one of the lowest security deposits we've come across in the secured category, making it a best-in-class pick if you're wanting to build or rebuild credit while reducing out-of-pocket costs.

- Jordan Wathen, The Ascent
The Balance

If you're looking for a secured credit card, you might find that the Capital One Secured MasterCard is one of the better secured credit cards on the market. Depending on your credit, you could pay the lowest security deposit offered by any secured credit card.

- George Yacik, The Balance
Credit Fast

Has several great benefits and a few drawbacks. So it’s a good tool to use to fill out your credit history. As long as you use it responsibly, it’ll work for you. Finally, if you’re considering trying to build your credit, it’s worth looking into this secured card.

- Monica Kowollik, Credit Fast
CreditDonkey

Capital One Secured card is designed for people who want to build their credit, with no annual fee. If you pay your balance in full each month, using this card can be a great way to boost your credit score.

- Dylan Y, CreditDonkey

Details


Interest Rates
Regular APR Interest Rate 24.99%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 24.99%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00
Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection Yes
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay
Additional Benefits

Roadside Assistance

Eligibility
Minimum Security Deposit $49
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


CreditCards.com

An inexpensive way to raise your credit score

from CreditCards.com

Despite the lack of a rewards program, the Capital One Secured Mastercard’s low security deposit, reasonable fees and shorter pathway to a higher credit line makes it a good option for credit-building consumers.

Read full review

Despite the lack of a rewards program, the Capital One Secured Mastercard’s low security deposit, reasonable fees and shorter pathway to a higher credit line makes it a good option for credit-building consumers.

Read full review

Less

The Ascent

A clear leader in the secured card category

from The Ascent

This card includes one of the lowest security deposits we've come across in the secured category, making it a best-in-class pick if you're wanting to build or rebuild credit while reducing out-of-pocket costs.

Read full review

This card includes one of the lowest security deposits we've come across in the secured category, making it a best-in-class pick if you're wanting to build or rebuild credit while reducing out-of-pocket costs.

Read full review

Less

The Balance

Higher fees and rates, but lower minimum deposits

from The Balance

If you're looking for a secured credit card, you might find that the Capital One Secured MasterCard is one of the better secured credit cards on the market. Depending on your credit, you could pay the lowest security deposit offered by any secured credit card.

Read full review

If you're looking for a secured credit card, you might find that the Capital One Secured MasterCard is one of the better secured credit cards on the market. Depending on your credit, you could pay the lowest security deposit offered by any secured credit card.

Read full review

Less

Credit Fast

Lets you get a higher credit line quickly

from Credit Fast

Has several great benefits and a few drawbacks. So it’s a good tool to use to fill out your credit history. As long as you use it responsibly, it’ll work for you. Finally, if you’re considering trying to build your credit, it’s worth looking into this secured card.

Read full review

Has several great benefits and a few drawbacks. So it’s a good tool to use to fill out your credit history. As long as you use it responsibly, it’ll work for you. Finally, if you’re considering trying to build your credit, it’s worth looking into this secured card.

Read full review

Less

CreditDonkey

Good secured credit card for people with limited or bad credit

from CreditDonkey

Capital One Secured card is designed for people who want to build their credit, with no annual fee. If you pay your balance in full each month, using this card can be a great way to boost your credit score.

Read full review

Capital One Secured card is designed for people who want to build their credit, with no annual fee. If you pay your balance in full each month, using this card can be a great way to boost your credit score.

Read full review

Less

NerdWallet

Good choice for bad credit

from NerdWallet

If you’re trying to build your credit, the Capital One Secured Mastercard is one of the best choices available. It has earned our respect for having a low minimum security deposit, and for offering a credit limit higher than the security deposit for individuals who qualify.

Read full review

If you’re trying to build your credit, the Capital One Secured Mastercard is one of the best choices available. It has earned our respect for having a low minimum security deposit, and for offering a credit limit higher than the security deposit for individuals who qualify.

Read full review

Less

Wise Bread

The best option for repairing your credit

from Wise Bread

Best for those who are building credit or re-establishing credit and appreciate card benefits and tools for managing credit. As one of the only secured cards available that does not charge a foreign transaction fee, it is especially ideal for those who travel abroad or need the card to make foreign purchases.

Read full review

Best for those who are building credit or re-establishing credit and appreciate card benefits and tools for managing credit. As one of the only secured cards available that does not charge a foreign transaction fee, it is especially ideal for those who travel abroad or need the card to make foreign purchases.

Read full review

Less

Credit Sesame

Best for peoples who wants to earn rewards on purchases

from Credit Sesame

This card has no annual fee and no foreign transaction fees. CreditWise from Capital One allows unlimited access to your credit score and to tools which can help you monitor your credit profile and this is available at no extra cost and one benefit is so you can see how your credit score is progressing over time.

Read full review

This card has no annual fee and no foreign transaction fees. CreditWise from Capital One allows unlimited access to your credit score and to tools which can help you monitor your credit profile and this is available at no extra cost and one benefit is so you can see how your credit score is progressing over time.

Read full review

Less

Bankrate

Not the worst choice, but there are better

from Bankrate

We give kudos to the Capital One Secured MasterCard for not charging an annual fee and being one of the only secured cards that potentially lets you deposit less than your credit limit.

Read full review

We give kudos to the Capital One Secured MasterCard for not charging an annual fee and being one of the only secured cards that potentially lets you deposit less than your credit limit.

Read full review

Less

Credit Card Insider

Good choice for people looking to rebuild their credit

from Credit Card Insider

The Capital One Secured MasterCard is a great choice for a secured card, featuring a number of extra benefits and services that should be truly valuable for people trying to establish or rebuild credit.

Read full review

The Capital One Secured MasterCard is a great choice for a secured card, featuring a number of extra benefits and services that should be truly valuable for people trying to establish or rebuild credit.

Read full review

Less

User Reviews


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