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Secured Mastercard® from Capital One

Stay updated on new credit card offers

welcome offer

There is no welcome offer on this card.

Bonus Value

Approximately $0*

Annual Fee

$0

Card Rewards

No cashback on all purchases

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

Secured Mastercard® from Capital One requires a low-security deposit of $49, $99 or $200 (based on approval). It is a great starting point for those looking to start building credit.

Card-Smart Tips & Advice
  • Credit: Secured Credit Card - No Credit Needed
  • Max cards: Capital One will only let you have a maximum of 2 personal Capital One branded credit cards. (This excludes co-branded credit cards like the Capital One Walmart Rewards card.)
  • You can only get approved for 1 Capital One card every 6 months
  • Credit bureau: Capital One will usually pull your Experian, Transunion, and Equifax credit reports
  • If you freeze one credit bureau you can still get approved (the credit bureau you freeze cannot be Transunion)
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined. Note, Capital One will only approve you for one credit card application within every six months. (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
  • Check application status: You can  check your application status by calling 1 800 903 9177 or 1 877 277 5901
  • Reconsideration: If declined you can call 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error)

Recent Approvals and Denials (as submitted by Help Me Build Credit users)

50% Approved
0 Avg. Score of those approved
50% Denied
Approved 50%
Denied 50%

Credit limit range $351-$351

Avg. Credit limit$351

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

Card Details And Benefits
Foreign Transaction Fee

No foreign transaction fee.

Auto Rental Collision Insurance

Discontinued after 09/01/21: Worldwide secondary coverage for collision damage and theft on rentals. Coverage is for rentals up to 31 days. Covers vehicle with MSRP up to $50,000.

Extended Warranty Protection

Discontinued after 09/01/21: Get your original manufacturer's warranty time doubled. (Will only cover if the original warranty is for 2 years or less). Max $10,000 per claim.

Cell Phone Protection

Get reimbursed for up to $600 per claim with a $50 deductible if your cell phone breaks or is stolen. To activate coverage you need to pay your monthly cell phone bill with your credit card. (max $1,000 or two claims per year, whichever is less).

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $1,000 per claim, $25,000 per year.

Price Protection

Discontinued after 09/01/21: If you buy an item and then within 120 days find the identical item for cheaper at any US retailer, then you will be reimbursed the difference. Up to $500 per item and up to 4 claims per year.

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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