Rated 4/5 stars by our editorial team
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4.0/5.0 from 1 Offer Rating
Over the Past 60 Days!
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Rated 4/5 stars by our editorial team
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Your Rating:
4.0/5.0 from 1 Offer Rating
Over the Past 60 Days!
Regular Purchase APR
29.74% (Variable)
Intro Purchase APR
N/A
Intro BT APR
N/A
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
Foreign Transaction Fee
None
Balance Transfer Fee
$0 at this Transfer APR
Cash Advance Fee
3% of the amount of the cash advance, but not less than $3
Regular APR
2.5
Intro APR
2.5
Fees
4.0
Benefits
2.5
Overall Rating
4.0 /5
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 minimum security deposit can range from $49, $99, or $200. 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 29.74% (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 Secured MasterCard 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.
This card now comes with no annual fee, making it one of the few secured cards without it. The Capital One Secured MasterCard is a nice alternative for someone with poor credit who wants a chance to rebuild their credit.
There is no balance transfer fee at the 29.74% (Variable) balance transfer APR, and 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 APR is 29.74% (Variable). You also have to put forth a security deposit in order to get this card.
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.
Regular APR
2.5
Intro APR
2.5
Fees
4.0
Benefits
2.5
Overall Rating
4.0 /5
4.0 out of 5.0
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+-9 users submitted a rating without a full review
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By: Jamie Lee Mueller | Oct 10, 2017
Been with capital one since Feb and I can say they are good company and good card. Didn't have the best credit but got accepted. Customer service is fast and friendly. Would strongly recommend this card
By: Alvin | Jul 23, 2017
The people thatThey are here to help.
By: Marguerite | Jun 14, 2017
I needed to build up my credit score in order to get a mortgage. Capitol One gave me the opportunity to rebuild my credit score with no annual fee like most other credit card company. And the initial deposit was only $99.00 to get a $200.00 card awsome job Capitol One. I would recommend them for sure. In 3 months I will know for sure if it will help me or not. I will keep you posted on the outcome.
By: Toynua | May 31, 2017
I have been denied twice by CapitalOne and wished they would just let me deposit an introduction fee. I am in a better financial place opposed to earlier in my life. Financial institutions should look at closely how long it was since a bad report was issued on a person's credit score, i.e., 1980 to the present.
By: Natasha | May 15, 2017
Need help improving my credit
By: esabel | Oct 11, 2016
This card is supposed to be for people trying to rebuild their credit which is what I wanted to use it for. They denied me with a 575 credit score. The only reason I applied is because It said people with lower credit score than this will be approved. I was denied and now have a hard credit check on my credit report.
By: Jessi | Sep 19, 2016
I absolutely love this card & this company!!! They have been very good to me with increases when I needed them in a pinch and customer service is great!!! Definitely recommend for new credit users/rebuilding credit users!!! 5 stars all the way, you can't go wrong with this company/card!!!
By: Virginia | Aug 22, 2016
Ii think they truly care about the customers and go out of their way to help
By: Molly | Mar 2, 2016
I thought I wouldn't have any good options for a credit card since I have poor credit score, but this card is great! Helps me rebuild my credit and keep a track of it in a easy and secure manner.
By: Derek | Mar 1, 2016
Good starter card. Had this as my credit card when I was starting out. Definitely helped build my credit.
Featured
on Discover's secure site
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Rated 5/5 stars by our editorial team
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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
APRs
10.99% Intro APR for 6 months on balance transfers then 27.24% Variable APR
Rates and Fees
No annual fee, no late fee on your first late payment. No penalty APR*
Typical Credit Needed
Annual Fee
$0
Card Brand
Discover
See additional details for Discover it® Secured Credit Card
on Capital One's secure site
Rated 4.5/5 stars by our editorial team
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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!
Rewards Rate
1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
Credit Line
Put down a refundable $200 security deposit to get a $200 initial credit line.
Regular Purchase APR
29.74% (Variable)
Typical Credit Needed
Annual Fee
$0
Card Brand
Mastercard®
See additional details for Capital One Quicksilver Secured Cash Rewards Credit Card
on OpenSky's secure site
Rated 3.5/5 stars by our editorial team
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Your Rating:
0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!
Purchase APR
21.64% (variable)
Build Credit
Build credit quickly. OpenSky reports to all 3 major credit bureaus.
Credit Line
$200 - $3,000 Credit Line*
Typical Credit Needed
Annual Fee
$35
Card Brand
Visa®
See additional details for OpenSky® Secured Visa® Credit Card
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Between 720 - 850
Credit cards for excellent credit are intended for those with a credit score between 720 - 850.
Between 660 - 719
Credit cards for good credit are intended for those with a credit score between 660 - 719.
Between 550 - 659
Credit cards for fair credit are intended for those with a credit score between 550 - 659.
Between 300 - 599
Credit cards for poor credit are intended for those with a credit score between 300 - 599.
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