Capital One Platinum Secured
No annual fee · no published rate on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | not published | the issuer does not print a rate for uncategorised spending |
Non-cash perks
- Refundable security deposit ($49, $99 or $200 minimum) sets credit line of at least $200 (can raise up to $1,000 with larger deposit)
- Path to earn back deposit and upgrade to unsecured Platinum with responsible use
- No replacement card fees, no authorized user fees
- Pay zero interest if statement balance paid in full each month
- Card does not display the word 'Secured'
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone wanting one card for everything. The issuer publishes no earn rate for spending outside the categories above, so we cannot tell you what an uncategorised dollar earns here. We print that as unknown rather than as a zero, but it does mean this card cannot be judged as an everything card.
More from Capital One
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.capitalone.com. Spot an error? Tell us.