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  Capital One Secured Mastercard

Capital One Secured Mastercard

in Personal Credit Cards from Capital One

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Capital One Secured Mastercard

Claimed

in Personal Credit Cards from Capital One

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Mostly recommended

2 users recommend
2 users are unsure
2 users don't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 26.99%
Balance Transfer APR  (Variable APR) 26.99%
Credit Score Range 300 - 640
Annual Fee $0
Number of Reviews 6

Capital One Secured Mastercard Review

Capital One Secured Mastercard is a secured credit card credit card issued by Capital One. If you're wondering whether Capital One Secured Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.99%
  • 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.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, travel accident insurance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

Capital One Secured Mastercard Pros and Cons:

The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Capital One Secured Mastercard reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.

Is there a Capital One Secured Mastercard cash back or rewards program?

No, Capital One Secured Mastercard does not offer a rewards program.

What are the Capital One Secured Mastercard benefits?

Capital One Secured Mastercard provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Capital One Secured Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Capital One Secured Mastercard has higher than average purchase APRs.

Capital One Secured Mastercard has a variable purchase APR of 26.99%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 26.99% .

Does Capital One Secured Mastercard have an introductory APR offer on balance transfers?

No, Capital One Secured Mastercard does not come with an introductory APR offer for balance transfers.

Does Capital One Secured Mastercard have an introductory APR offer on new purchases?

Capital One Secured Mastercard does not offer an introductory rate on new purchases.
Capital One Secured Mastercard Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Capital One Secured Mastercard?

The following fees apply to Capital One Secured Mastercard:

Capital One Secured Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Late Payment Fee up to $39

Does Capital One Secured Mastercard have a foreign transaction fee?

Capital One Secured Mastercard does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Capital One Secured Mastercard report your account activity to credit bureaus?

Capital One Secured Mastercard reports your account activity to the following credit reporting agencies:

  • 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 can help improve your credit score.

How to apply for Capital One Secured Mastercard

  • Visit the Capital One Secured Mastercard website.
  • 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

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...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 640
Card Type
  • Bad Credit
  • Balance Transfer
  • Secured
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Type No Rewards
Security Deposit $49 - $200
Cash Advance APR (Variable APR) 26.99%
Balance Computation average daily balance (including new transactions).
Credit Limit $0
Purchase APR (Variable APR) 26.99%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer APR (Variable APR) 26.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Capital One Secured Mastercard Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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