- Click APPLY NOW to apply online.
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
Capital One Platinum Secured Credit Card
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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Annual Fee$0
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Welcome OfferN/A
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Rewards RateNon-rewards Card
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Credit Needed
Bottom Line
This card now comes with no annual fee, making it one of the few secured cards without it. Capital One Platinum Secured Credit Card is a nice alternative for someone with poor credit who wants a chance to rebuild their credit.
Our Take
The Good
With this card, you can sign up for free enrollment in online tools to help you track your credit score. You can also earn opportunities for a credit line increase based on your payment history and credit worthiness.
The Not So Good
The APR is 28.99% (Variable). You also have to put forth a security deposit in order to get this card.
HIGHLIGHTS
Additional Details
Card Fees
- Foreign Transaction Fee: None
- Balance Transfer Fee: Balance Transfer Fee applies to balances transferred at a promotional rate
- Penalty APR: None
Ongoing Information
- Rewards Rate: Non-rewards Card
- Annual Fee: $0
Editorial Note: This content is not provided by Capital One. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Capital One.
Expert Reviews
From the CompareCards.com Editorial Team, updated on Aug 05, 2026
This card is meant for those who have bad credit and want a card that helps them rebuild it, while also delivering the convenience of carrying plastic instead of cash. The refundable security deposit starts at $49 to get at least a $200 initial credit line. You can make partial payments but need to make sure you've made your full, required deposit within 35 days of being approved.
The interest rate on this card is 28.99% (Variable) and there is now no annual membership fee. For people with damaged credit though, those rates are a small price to pay for the chance to rebuild your credit. The Capital One Platinum Secured Credit Card also reports to the “big three” major credit bureaus on a regular basis. So, if you are paying your bills on time and not using more than 25% of your available credit – two strategies recommended by credit improvement experts – then that will help you in your credit building efforts.
Expert Reviews of Capital One Platinum Secured Credit Card
Related Card Offers
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Annual Fee$0
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Welcome OfferN/A
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Rewards Rate10% cash back
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Credit Needed
Bottom Line
The opensky® Plus Secured Visa® Credit Card is a practical choice for those looking to improve their credit score.
Our Take
The Good
The opensky® Plus Secured Visa® Credit Card stands out for its accessibility to consumers with poor or no credit history, offering them a chance to build or rebuild their credit through responsible use without requiring a credit check. Furthermore, it reports to all three major credit bureaus, which can aid in rapidly improving credit scores when managed wisely.
The Not So Good
Despite its benefits for credit building, the opensky® Plus Secured Visa® Credit Card requires a refundable security deposit, which could be a financial hurdle for some applicants.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with as little as $300 – Secure your line with a refundable security deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 2 million+ cardholders who have used opensky® to build better credit!
- Rates & Fees
See Additional Details for opensky® Plus Secured Visa® Credit Card
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Annual Fee$49
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Welcome OfferN/A
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1% - 10% cash back
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Credit Needed
Bottom Line
The First Progress Prestige Secured Mastercard® can help those who do not have sufficient credit to get a standard credit card. Though the card does require you to put in a security deposit (acting as the "limit" on the card), the payments you make toward it are reported to the credit bureau.
Our Take
The Good
The main benefit of this credit card is that it gives you a chance to build your credit just by spending your own money. Rather than paying cash for the things you need, you can pay with your card and then pay back the balance.
The Not So Good
You have to pay an annual fee of $49 for this card, on top of putting down a security deposit to act as your available balance.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- Now offering Up To 10% Cash Back at select merchants with First Progress! Plus, 1% back when you make payments!^^
- A $200 refundable deposit is your first step toward better credit!
- Apply with no impact to your credit!2
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- 2We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
See Additional Details for First Progress Prestige Secured Mastercard®
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Annual Fee$0
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Welcome OfferN/A
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Rewards Rate1.5% - 5% Cash Back
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Credit Needed
Bottom Line
The Capital One Quicksilver Secured Cash Rewards Credit Card takes our top spot in the secured card category because of its top-shelf unlimited rewards program and limited fees. Don’t miss this one if you’re in the market for a secured card.
Our Take
The Good
The Capital One Quicksilver Secured Cash Rewards Credit Card’s outstanding rewards program marks it out as head-and-shoulders above the competition – and that’s without considering it’s generous security deposit refund program.
The Not So Good
This card comes with all the regular downsides of a secured card, so unless you have low or no credit, a different card may be a better choice.
HIGHLIGHTS
- Click APPLY NOW to apply online.
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get at least a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Top rated mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
- Rates & Fees
See Additional Details for Capital One Quicksilver Secured Cash Rewards Credit Card
Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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