| Annual fee | $0 |
|---|---|
| Purchase APR | 29.99% variable |
| Security deposit | $49 – $200 |
| Credit limit | $200 – $1,000 |
| Minimum score | 300+ (Poor) |
| Foreign transaction fee | None |
| Reports to | Experian, Equifax, TransUnion |
| Upgrade path | Automatic credit-line reviews in as little as 6 months |
| Pre-qualification | Yes — soft pull, no impact to your score |
Capital One Platinum Secured Credit Card is aimed at people in the poor range. As a secured card you'll put down a refundable deposit of at least $49, which becomes your credit line. That deposit is what makes approval realistic when your score is low — the issuer isn't taking a risk.
Before you apply. Rates, fees and deposit requirements are set by the issuer and change often. Confirm the current terms on the issuer's own application page — the figures here were last reviewed 2026-08-24 and are not a guarantee of the terms you'll be offered.
2% at gas stations & restaurants (up to $1,000/quarter), 1% everywhere else
No rewards programme
No rewards programme