Capital
Platinum Secured
Capital One
Platinum Secured
Best for: building or rebuilding credit
A secured card with a refundable deposit as low as $49 that reports to all three credit bureaus.
Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026
Rewards and welcome offer
- This card does not advertise a rewards program.
Strengths and trade-offs
Strengths
- Refundable deposit of $49, $99 or $200 sets a credit line of at least $200
- Reports to all three major credit bureaus
- No annual fee
- No foreign transaction fees
Trade-offs
- 28.99% variable APR
- No rewards
Rates and fees
- Annual fee
- $0
- Regular APR
- 28.99% variable
- Intro APR
- None
- Balance transfer fee
- Applies; amount not stated on the issuer's page
- Foreign transaction fee
- None
- Minimum credit score
- Limited (300+)
- You can raise the initial credit line by depositing more than the minimum, up to a maximum limit of $1,000.
- Interest is charged on unpaid purchases if the balance is not paid in full by the due date.
Figures read from capitalone.com on Sep 21, 2026. Terms change without notice, so confirm with the lender.