Capital One® Secured Mastercard®

Capital One® Secured Mastercard®
Issued by Capital One
Advertiser Disclosure
Annual Fee
Regular APR

Additional Information

Balance Transfer Fee
Purchase Intro APR
Transfer Intro APR
Late Payment Fee
Returned Payment Fee
See Terms*
Cash Advance Rate
24.99% (V)
Cash Advance Fee
3% (min $10)
Foreign Transaction Fee
Smart Chip
Yes, chip-and-signature
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Balance Transfers:

   A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

   Intro Balance Transfer APR N/A

   Regular Balance Transfer APR 26.99% Variable

   Balance Transfer Fee $0


Annual fee


Penalty APR


Late Fee

Up to $39

Returned Payment Fee


Additional Cards Annual Fee


Foreign Transaction Fee


Foreign transaction fee


Getting started is easy

Complete and submit your application for a Secured Mastercard from Capital One.

Upon approval of your application, you’ll be notified of the security deposit amount required for your account.

Make your security deposit, and receive your card in 2-3 weeks.

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even wors

Application Requirements

Minimum credit score
Minimum Age
18 years old

How To Apply Capital One® Secured Mastercard®

  • If you are keen to apply for the Capital One® Secured Mastercard®, simply click on the "Apply Now" button below to be taken to the credit card official website to complete the credit card application form. Our website will not record any personal information about you, and the whole process will not affect your credit score.

  • To complete the form, you should enter your name, address, telephone number and email address in the application form. You may also need to list your annual income and monthly mortgage or rent.

  • The credit card also asks for your date of birth, social security number, mother's maiden name, and driver's license number as part of its credit check.

  • When you have completed the form, the application needs to be reviewed, and you will receive your Capital One® Secured Mastercard® soon if your audit passes.


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How To Use Capital One® Secured Mastercard®

Where Can You Use

  • It can be used anywhere MasterCard is accepted.

Pay Your Bill On Time

  • You need to make on-time payments. A late payment could hurt the credit score or the limit of your credit card.

Something About The Card

  • You need to make all payments on time to avoid incurring penalty fees (not to mention a hit to your credit report). Consider signing up for autopay so you don't forget. Making timely payments is one of the best ways to establish a healthy credit history.

  • You should consider increasing your initial credit line by making a higher-than-required security deposit. Doing so can help improve your credit utilization ratio, another major factor in your overall credit score.

  • Avoid taking cash advances, the fees for which can quickly increase your total amount owed.

  • You need to pay your regular balance in full every month to avoid accruing higher-than-average interest charges. Not to mention, carrying a balance can make it more difficult to demonstrate your reliability to card issuers.

Credit Card Reviews

51 Reviews
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User Name

1 year ago
1 year ago
"Ive had this card for 8 months and my credit has gone up 70pts!! I started with a credit in the 520s after 6 months they increased my credit limit by $300. Now my credit is in the 580s. I also had a closed accout not related to this credit card within the time I opened it til now that dropped my credit 17pts. I believe my score would’ve been higher had it not been for that. "
1 year ago
"Ok I am going to rate this card 5 stars because I believe all will work out."
1 year ago
"I got the card to help improve my credit score and build my credit history. Everything was going good with card until Capital One decided to cancel it with no warning at all. I have no missed or late payments and no negative remarks on the account at all. I actually received an email the same day the card was cancelled stating I was approved for a credit line increase. When I spoke with customer service, I was told they cancelled the card because a payment was returned in August. It is now October and multiple payments had been made on the card since then. The returned payment was also a mistake with my banking information and was remade once capital one allowed me to make another payment. I was also told that even though my account was in good standing and had no negative remarks, it couldn’t be reopened and I would have to apply for an account again if I wanted to reopen it. The representative couldn’t tell me any other information on why the account was closed. I also had a payment processed the same day the card was closed. I had another credit card that they closed at the same time and gave me the exact same reasoning of why it was closed. "
1 year ago
"Capitol One does a great job of monitoring your usage. I applied for an increase at 5 months they denied it and 3 days later gave me an increase anyway. Capitol One is a good and fair company as long as you stay on top of your finances."
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About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why icomparecards born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
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