Last Updated: 01/07/2026
Capital One Platinum Secured Credit Card
Claimed
in Credit Cards from Capital One
Last Updated: 01/07/2026
SuperMoney User Recommendation Score +33
Mostly recommended12 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
28.99%(Verified 01/07/2026)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
28.99%(Verified 01/07/2026)
Disclaimer popup with additional information
Credit Score Range
300 - 550
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Annual Fee
$0
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Number of Reviews
Capital One Platinum Secured Credit Card Review
This is a secured credit card issued by Capital One. If you're wondering whether Capital One Platinum Secured Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 28.99%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Capital One Platinum Secured Credit Card
| The Good | The Bad |
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Capital One Platinum Secured Credit Card FAQ
Does Capital One Platinum Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Capital One Platinum Secured Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Capital One Platinum Secured Credit Card has a variable purchase APR of 28.99%. The card has a variable balance transfer APR of 28.99% . It also has a variable cash advance APR of 28.99% .
Does Capital One Platinum Secured Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Capital One Platinum Secured Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Capital One Platinum Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Capital One Platinum Secured Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Capital One Platinum Secured Credit Card?
The customer service number for Capital One Platinum Secured Credit Card is (877) 383-4802.
What is the support contact email for Capital One Platinum Secured Credit Card?
The support contact email for Capital One Platinum Secured Credit Card is support@capitalone.com.
How do people rate the customer service and user experience of Capital One Platinum Secured Credit Card?
Overall, Capital One Platinum Secured Credit Card is mostly recommended based on community reviews that rate customer service and user experience.
Does Capital One Platinum Secured Credit Card report your account activity to credit bureaus?
Yes, Capital One Platinum Secured Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Capital One perform a hard credit pull?
Yes, Capital One Platinum Secured Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Capital One Platinum Secured Credit Card
- Visit the website of Capital One Platinum Secured Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Capital One Platinum Secured Credit Card Disclosure: SuperMoney has partnered with CardRatings for our coverage of credit card products. SuperMoney and CardRatings may receive a commission from card issuers.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Other Credit Cards from Capital One
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Capital One Platinum Credit Card
Sponsored
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
630 - 750
300
850
Annual Fee
$0
Sponsored
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
640 - 700
300
850
Annual Fee
$39
Purchase APR
18.49% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
640 - 720
300
850
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
750 - 850
300
850
Annual Fee
$95
Purchase APR
15.24% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 26.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
17.99% - 27.74%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 27.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.9% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 25.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +33, or 3.7 on a 5-point rating scale.
+33
-1000+100
No one recommends
Everyone recommends
Capital One Platinum Secured Credit Card Community Reviews
Would you recommend Capital One Platinum Secured Credit Card to your friends?
Javaris J.
Nov 11, 2023
May or may not recommend
Capital One is the greatest. Not only was the credit card my first credit card, but it was the one that helped me get through college. I would recommend them because of the superb rewards programs.
Sarah L.
Jan 12, 2022
May or may not recommend
They closed my account unexpectedly and claimed I owe them about $1200. That is still on my record, I've called and they've stated I'm wrong. Will not be working with Capital One again. I work very hard for a good credit score and this has brought it down.
RC
Roger C.
Jun 3, 2021
May or may not recommend
Great card for rebuilding credit and it's a great first card after bankruptcy
SB
Shirley B.
Mar 2, 2021
May or may not recommend
I don't have any experience yet heard from friends it's a good card to have
RE
Rayla E.
Nov 2, 2020
May or may not recommend
This is a great little credit card for building credit. It is secured so you will have to put down some money to get it going. However, I do really like that whatever you put in is doubled to create your credit limit. So, if you put down $200 then your credit limit is $400. Also, after a certain amount of time, they claim to refund you the money and ...Show More
Sarah C.
Oct 8, 2020
May or may not recommend
I had a secured CapitalOne card about four years ago, and it really helped me build my credit back up after making some bad decisions right after high school. The lower limit was manageable for me, and I never had any issues with how much was being charged or with my card being declined. I would recommend it to anyone who wants to build up their credit a little bit.
HP
Heli P.
Mar 5, 2020
May or may not recommend
charged me twice $29 over limit fee when impossible to be over limit
either im over the limit then the card should be declined
or its not
then i phoned to cancel the card i haven't been using for 2 month and i wanted to know
how much i owed them after taking off $59 yearly subscription for a $300 credit limit card
so im informed to cancel the ...Show More
IB
Iola B.
Jan 8, 2020
May or may not recommend
When a company is trying to give me a second chance,and I improve my self, I will recommend it to all the my friend and family.
Q M.
Sep 5, 2019
May or may not recommend
It's been pretty pleasant. Cant beat no fees. Customer Service is nice
TT
Tara T.
Dec 1, 2018
May or may not recommend
I always get turn down for any credit card line. My back is against the wall, and very depressed about it!
Screaming
TM
Trevor M.
Nov 13, 2018
May or may not recommend
Totally dishonest and without ANY credibility. 6 years ago got a secured card. They increased the limit without increasing my security deposit and ASSURED me that excellent credit behavior would result in a further increase. 6 years later, excellent credit behavior, no delinquencies in the last 5 years and a credit score of 719 they deny the increase due to a 5 & 6-year-old delinquency that they knew of when ...Show More
U
Anonymous
May 22, 2015
May or may not recommend
Nice card! I'm seeing my credit score rise, which is what I wanted. So I think it is doing it's job. Although I usually don't call for customer service, I did have to regarding a charge I had to contest. The customer service rep was super helpful, and I got the issue resolved quickly. All in all, I'm pleased. :)
Showing 12 of 12 reviews
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