Capital One Platinum Secured
A $200 credit line for as little as $49 down.
Welcome Bonus
None
No welcome bonus, secured deposit required
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
None
required (rebuilding credit)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 0xNo rewards: this card is purely for building credit
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Deposit of $49, $99, or $200 secures a $200 starting line, set by Capital One
- ✦Automatic credit line reviews in as little as 6 months
- ✦Graduation path to the unsecured Platinum card with deposit back
- ✦Reports to all three credit bureaus
Why it earns its spot
- +Lowest possible deposit in the category at $49
- +No annual fee and no FTF
- +Capital One reviews for higher lines and graduation automatically
Where it costs you
- −Earns no rewards at all
- −Deposit tier is assigned, you cannot choose $49
The Compound Verdict
The deposit flexibility is the story. Some applicants get a $200 line for $49 down, the cheapest entry into credit building anywhere. No rewards, but that is not the job. The job is the graduation path, and Capital One delivers it.
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