Capital One · Mastercard
Capital One Platinum Secured
No annual fee · no published rate on everything else · no foreign transaction fees
Earn rates
| 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?
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.
More from Capital One
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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.