Who issues the Capital One Platinum Secured Credit Card?

It is issued by Capital One on the Mastercard network.

What does the Capital One Platinum Secured Credit Card cost?

The annual fee is $0, and the foreign-transaction fee is $0. Verified 2026-07-17. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.

Is the Capital One Platinum Secured Credit Card accepting new applications?

Yes, as of our last verification. Availability can change — confirm on the issuer’s page.

Does the Capital One Platinum Secured Credit Card help build credit?

It reports to all three (experian, equifax, transunion), so on-time payments and low utilization can help build history. Building credit depends on your overall behavior, not one card.

What should someone verify before applying?

The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.

What should you do if something goes wrong with this card?

For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.

Accepting applicationsTerms last verified 2026-07-17

Capital One Platinum Secured Credit Card

Issued by Capital One (Capital One, N.A.) · Mastercard network · Secured consumer card

At a glance

The Capital One Platinum Secured Credit Card is a secured secured consumer credit card issued by Capital One on the Mastercard network. Its current annual fee is $0, with a $0 foreign-transaction fee. It is accepting new applications. Terms were last independently verified on 2026-07-17.

Exhibit AOfficial issuer information

Current rates and fees

From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.

Interest

Purchase APR28.99% variable (as of July 2026)

Capital One's live pricing disclosure is JS/PDF-gated; 28.99% is corroborated by two reputable sources. Secured cards carry a high APR — carry no balance while building. Confirm with Capital One.

Experian (Capital One partner) & NerdWalletverified 2026-07-17

APR typeVariable — tracks the Prime Rate

Secured cards carry a high purchase APR; carry no balance while building.

Capital One — official card pageverified 2026-07-17

Fees

Annual fee$0

Capital One — official card pageverified 2026-07-17

Foreign-transaction fee$0

Capital One — official card pageverified 2026-07-17

Credit building

Security deposit$49, $99, or $200 refundable deposit opens a $200 initial line; deposit more (whole $20 increments) to raise the initial line, up to a $1,000 maximum

Capital One — official card pageverified 2026-07-17

Reports to bureausAll three (Experian, Equifax, TransUnion)

Capital One — official card pageverified 2026-07-17

Credit-line reviewAutomatically considered for a higher line in as little as 6 months, with no additional deposit

Capital One — official card pageverified 2026-07-17

Benefits and protections

Low deposit tiers ($49/$99/$200) for a $200 line. source
No annual or foreign-transaction fee. source

Confirm before you apply

Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.

Modeled cost

True cost of this card

True-cost calculator

Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.

Purchase APR to model (%)

Cost of carrying a balance for a year

Balance carried	Interest / month	Interest / year
$1,000	$856.24	$10,274.9
$3,000	$2,568.73	$30,824.7
$5,000	$4,281.21	$51,374.5

Paying only the minimum on $3,000

Never pays off

At this APR, a 2% minimum payment barely covers interest.

$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)

Never clears total cost

$150 upfront fee, plus post-intro interest at 1027.49%.

Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.

Exhibit BIndependent editorial analysis

Our independent analysis

Editorial rating

4.54.5 out of 5

How this score was calculated

Dimension	Weight	Score
Total cost (fees, deposit terms)	30%	4.5/5
Reports to all three bureaus	25%	5/5
Graduation / limit-review path	20%	4/5
Approval accessibility	15%	4.5/5
Terms transparency	10%	4/5

Methodology 2026.07 · full methodology · Credit Defense Hub earns no commission or affiliate revenue from card issuers; editorial scores are independent of any advertising relationship.

One of the more accessible secured cards: a possible $49 deposit for a $200 line, no annual fee, reports to all three bureaus, and an early credit-line-review path. Like all secured cards it carries a high APR, so use it lightly and pay in full.

Advantages

Low, tiered refundable deposit
No annual or foreign-transaction fee
Reports to all three bureaus

Watch for

High APR — not for carrying a balance
No rewards
Deposit required up front

Best for: People rebuilding or establishing credit who want a low-cost, bureau-reporting secured card.

Credit Defense Hub Editorial Team · reviewed 2026-07-17 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.

Extractable answers

Quick answers

Who issues the Capital One Platinum Secured Credit Card?: It is issued by Capital One on the Mastercard network.
What does the Capital One Platinum Secured Credit Card cost?: The annual fee is $0, and the foreign-transaction fee is $0. Verified 2026-07-17. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
Is the Capital One Platinum Secured Credit Card accepting new applications?: Yes, as of our last verification. Availability can change — confirm on the issuer’s page.
Does the Capital One Platinum Secured Credit Card help build credit?: It reports to all three (experian, equifax, transunion), so on-time payments and low utilization can help build history. Building credit depends on your overall behavior, not one card.
What should someone verify before applying?: The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
What should you do if something goes wrong with this card?: For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.

Current-fact answers reflect terms verified 2026-07-17; confirm with the issuer before applying.

Exhibit CConsumer experience data

What consumers report

No verified consumer reviews yet

This card has no published consumer reviews yet, so we are not showing consumer averages or complaint statistics — we never display percentages from a sample too small to be meaningful, and we never seed fake reviews. Be the first to share a genuine experience below.

Exhibit DIndividual consumer reviews

Share your experience

Rate the card, flag specific issues or positives, and tell your story. We never ask for card numbers, account numbers, or your SSN.

Step 1 of 5

Your overall experience with the Capital One Platinum Secured Credit Card

Nothing you enter is stored unless you submit, and we never ask for card numbers, account numbers, or your SSN.

Would you recommend this product?

If your issue is about credit reporting or a dispute

When to talk to a professional

A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.

See the issuer’s official page →

Educational information — not advice

This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.

For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.