Capital One Platinum Secured
By Alex Compton · Last verified
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome bonus, secured deposit required | Capital One Platinum Secured product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmed | Archive record · no attached snapshot |
| 2022-01 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
$0 fee, no FTF, $49/$99/$200 deposit for a $200 line and 6-month line reviews confirmed.
Capital One Platinum Secured product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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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
- ✦Deposit more, up to $1,000, to raise the starting line
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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