Capital One® Secured MasterCard®

The following table shows the features, rates, and other key data for the Capital One® Secured MasterCard® offer in Bad Credit offers. These terms are updated on a daily basis by the CreditCards.org database. If you wish to apply for the card, you may do so securely on its official website by clicking the Apply Now button below:
Capital One® Secured MasterCard® Apply Now
  • Build credit with responsible use with no processing or application fees
  • Regular reporting to the 3 major credit bureaus
  • Your security deposit can get you a line up to $3,000
  • You may qualify for a credit line increase based on your payment history and creditworthiness
  • Build a financial foundation you can stand on with a card that gets you started
  • Use it like any MasterCard credit card, accepted at millions of locations worldwide
574
average
514
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 22.9% Variable* $29* Limited Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 22.9% Variable*
Annual Fee $29*
Credit Needed Limited Credit*

Credit Score Needed

Capital One® Secured MasterCard® is generally for people with Limited Credit, though other factors besides credit score can also determine whether a particular application is accepted. See more Bad Credit offers from all credit card issuers.

Most Helpful User Review

Commented at Oct 19, 2010

I got the Capital One Secured Mastercard 4 months ago as my first credit card when I couldn't get an unsecured card. I went through Capital One because it was a well-known name and had a lower initial deposit. I ended up paying a $200 deposit through ACH and received the card within 2 weeks. After week 4 I still hadn't gotten the free Credit Inform welcome packet so I called the Capital One number and spoke with a very nice woman who was very helpful. She re-sent my welcome kit and I received it within a week.

So far, I've only had pleasant experiences with the card and customer service. It raised my TransUnion score from 594 to 672 and my Experian from 622 to 695. With the increases I was able to refinance my vehicle and my interest rate went from 14.75% to 7.25%!

Review by SOONERJB

User Reviews

Average Rating: 7.0 out of 10 based on 911 user ratings.
Commented at Jul 26, 2014

I applied for this card with a 585 credit score. I was approved for $200 limit with a $99 deposit. I've only used the card a few times and made sure to pay off my balance before the due date. what I've noticed is that it's best to use the card a week after the statement due date. Before this account showed up on my credit report, I had 2 derogatory marks on it, one of them was removed so that raised my score to 617 and then once this account came on it, my score jumped to 637. I have only been with Ck for a little over 3 months now. What I've noticed that no one talks about is how the average age of accounts change with each new account, but I suppose that's not much to worry about. I'm happy that i have been given a chance to rebuild my credit. Thanks CO.

Review by Kloving30
Commented at Jul 26, 2014

I applied for this card with a 585 credit score. I was approved for $200 limit with a $99 deposit. I've only used the card a few times and made sure to pay off my balance before the due date. what I've noticed is that it's best to use the card a week after the statement due date. Before this account showed up on my credit report, I had 2 derogatory marks on it, one of them was removed so that raised my score to 617 and then once this account came on it, my score jumped to 637. I have only been with Ck for a little over 3 months now. What I've noticed that no one talks about is how the average age of accounts change with each new account, but I suppose that's not much to worry about. I'm happy that i have been given a chance to rebuild my credit. Thanks CO.

Review by Kloving30
Commented at Jul 26, 2014

I applied for this card with a 585 credit score. I was approved for $200 limit with a $99 deposit. I've only used the card a few times and made sure to pay off my balance before the due date. what I've noticed is that it's best to use the card a week after the statement due date. Before this account showed up on my credit report, I had 2 derogatory marks on it, one of them was removed so that raised my score to 617 and then once this account came on it, my score jumped to 637. I have only been with Ck for a little over 3 months now. What I've noticed that no one talks about is how the average age of accounts change with each new account, but I suppose that's not much to worry about. I'm happy that i have been given a chance to rebuild my credit. Thanks CO.

Review by Kloving30
Commented at Jul 26, 2014

I applied for this card with a 585 credit score. I was approved for $200 limit with a $99 deposit. I've only used the card a few times and made sure to pay off my balance before the due date. what I've noticed is that it's best to use the card a week after the statement due date. Before this account showed up on my credit report, I had 2 derogatory marks on it, one of them was removed so that raised my score to 617 and then once this account came on it, my score jumped to 637. I have only been with Ck for a little over 3 months now. What I've noticed that no one talks about is how the average age of accounts change with each new account, but I suppose that's not much to worry about. I'm happy that i have been given a chance to rebuild my credit. Thanks CO.

Review by Kloving30
Commented at Jul 26, 2014

I applied for this card with a 585 credit score. I was approved for $200 limit with a $99 deposit. I've only used the card a few times and made sure to pay off my balance before the due date. what I've noticed is that it's best to use the card a week after the statement due date. Before this account showed up on my credit report, I had 2 derogatory marks on it, one of them was removed so that raised my score to 617 and then once this account came on it, my score jumped to 637. I have only been with Ck for a little over 3 months now. What I've noticed that no one talks about is how the average age of accounts change with each new account, but I suppose that's not much to worry about. I'm happy that i have been given a chance to rebuild my credit. Thanks CO.

Review by Kloving30

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Capital One® Secured MasterCard® for complete terms, conditions, and details of the offer.

+ This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.