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
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness-no additional deposit required
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card-accepted at millions of locations worldwide
553
average
467
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.

Most Helpful User Review

Commented at May 5, 2013

I don't usually leave comments, but I hope this helps someone in need. 10 months ago, I had no idea how credit worked and how important it is to establish it. For some reason, I was consistently denied by various credit card companies, including department stores. I had no hope.

Then I came across this secured card, I remember checking my score and it was estimated to be 550 (yeah, that's crap).

Now its been 10 months, $200 limit, no missed payments; my score is 669 with equifax and 680 with transunion. To top it off, I went to my bank (BofA) and was approved for credit card with a $2500 limit.

I have this secured card to thank for getting me started. I see a lot of people complaining about not being able to get the $200 back. I say, forget the $200 bucks, Capital One can keep it. The credit score increase has been invaluable as it literally jump started me to be able to do what I need in the future.

Review by Anonymous

User Reviews

Average Rating: 7.2 out of 10 based on 1066 user ratings.
Commented at Jan 30, 2015

I've had this secure card for about 6months since then my credit score has jump and they have even given me a 300$ credit line increase on my secure card I only deposit 240$ just to start off!! I also got approved for two department store credit cards and a regular capitalone card they have given me a chance when no one wanted to approve me👍

Review by Anonymous
Commented at Jan 28, 2015

I had a BK in 2014 that was discharged 2 months before I applied for this card.  Even though a couple of cards from Capital One were discharded in the BK, I was still instantly approved for this card with a $200.00 limit and only a $50.00 deposit.  I paid the balance in full every month and had 0% utilization.  I only used the card once a month to pay for Netflix ($7.99).  After 6 months, my credit line was automatically increased to $500.00 and I didn't even have to request it!  My score has drastically improved since getting this card and I'm happy that being a respondible card holder has paid off.  I'm very thankful that Capital One gave me another chance when no one else would so that I can finally use credit the right way.

Review by Anonymous
Commented at Jan 23, 2015

This card is helping me get to where I need to be credit wise. The mobile app makes paying my bill super easy and hassle-free.  I have had this card for 3 months and I am looking forward to the increase in my score, 

Review by vonnie1227
Commented at Jan 22, 2015

had this caard since march 2014. my usage was always high until nov 2014. I dropped my utilization to 18% and recieved a 300 cli in dec. my cl is now 850.00. I applied for a cap 1 quick silver card and was approved for 500.  I qwill no longer be using this secured cards as frequent and only let 20.00 charge to the card per month

Review by jenv08
Commented at Jan 21, 2015

I had the card since dec 3 and it hasn't showed up on my credit report. Anybody know when it will show?

Review by shaqking

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.