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Best for Beginners

Capital One Platinum Secured Credit Card

Capital One

Intro Offer

No Welcome Offer

Annual Fee

$0

Recommended Credit

300–650

Poor - Fair
Capital One Platinum Secured Credit Card card image

Rewards & Earn Rates

1X

Travel

1X

Dining

1X

Grocery

1X

Gas

1X

Other

Not Included

TSA Pre✓

No rewards program

Why We Choose It

Need to build credit from scratch? This secured card is one of the best options out there. The flexible deposit amounts and potential to upgrade make it a smart choice for credit builders.

More About the Capital One Platinum Secured Credit Card

An excellent secured card option for building or rebuilding credit with flexible deposit requirements

Pros & Cons

Pros

  • Low Security Deposit Options Starting At $49
  • No Annual Fee
  • Automatic Credit Line Reviews
  • Can Upgrade To Unsecured Card

Cons

  • No Rewards Program
  • Requires Security Deposit Initially
  • Limited Initial Credit Line
  • Basic Benefits Compared To Other Secured Cards

See Rates & Fees (Terms Apply)

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