Capital One® Secured MasterCard®
No annual fee, and all the credit building benefits with responsible card use
Limited, Bad
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CARD TYPE: SecuredSecured credit cards require a secured deposit on a bank account. These cards are intended for people with limited credit history.
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WHO CAN GET IT: ConsumerThese credit cards are for the average consumer who needs a credit card for personal use.
- No annual fee, and all the credit building benefits with responsible card use
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
- Your minimum security deposit gets you a $200 credit line
- You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
- Easily manage your account 24/7 with online access, by phone, or using our mobile app
- It’s a credit card accepted at millions of locations worldwide
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PURCHASES
- Intro APR on Purchases:
- N/A
- Regular APR:
- 24.99% (Variable)
- Minimum Grace Period:
- 25 days
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BALANCE TRANSFERS
- Intro APR on Balance Transfers:
- N/A
- Regular APR:
- 24.99% (Variable)
- Balance Transfer Fee:
- $0
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CASH ADVANCE
- Intro APR on Cash Advances:
- See terms
- Regular APR:
- 24.99% (Variable)
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FEES
- Annual Fee:
- $0
- Application Processing Fee:
- See terms
Questions & Answers about the card:
There is one student credit card Capital One® offers – the Journey® Student Rewards card. The card is aimed to help students building their credit as it rewards for monthly payments made on time. Yes, Capital One® student credit card comes with cash back rewards as well as with no annual fee and free credit tracker. With all these features, students may find this card a good instrument for building their own credit.
Yes. There is a Capital One® secured card people with bad credit can apply. The security deposit for this card is refundable and can be $49, $99 or $200 based on your creditworthiness. Capital One® will allow you to deposit more than your minimum security deposit if you wish. The maximum amount of deposit is $3,000. Another good feature about Capital One® Secured MasterCard card is that there is no annual fee, which is a rare feature for secured credit cards.
An easy and fast way to apply for a Capital One® credit card is to fill out and submit an online application form. Today, most of Capital One® credit card offers are available online. The bank offers credit cards for all types of credit. So to qualify for a Capital One® credit card you should find a credit card that is good for your current credit score. If you still are not sure which card will be good for you, then you can use the Capital One’s pre-qualification tool. The tool won’t harm your credit score and will show you credit cards you can qualify for.
Capital One® offers cash back credit cards to consumers and businesses with fair credit and higher. Frequent flyers with good or excellent credit history may like miles rewards credit cards offered by Capital One®. Also, bank issues some co-branded credit cards with rewards programs. Some cards have one-time sign up bonuses in addition to regular rewards.