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)
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Balance Transfer APR (Variable APR)
28.99%(Verified 01/07/2026)
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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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
What is the login page for Capital One Platinum Secured Credit Card?
You can access the login page of Capital One Platinum Secured Credit Card here.
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.
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