Credit cards in United StatesCOCapital One Platinum Secured Credit Card
Best for: building US credit from zero
- Interest
- 29.24% a year
- Yearly fee
- $0 a year
- Foreign fee
- None
- Rate
- 29.24% a year
- Fees
- No annual fee. No foreign transaction fees. A refundable deposit of $49, $99 or $200 opens the card.
- Minimum
- $49
- Opens online
- Yes
- Who can apply
- Not confirmed
- Currency
- USD
Pros
- No credit score is needed to apply
- No annual fee
- Reports to the three major US credit bureaus
- Your deposit can come back when you are upgraded or close the account with nothing owed
- You may be considered for a higher credit line in as little as six months
Cons
- Interest is 29.24% a year (variable) if you do not pay the full balance
- You must pay the deposit within 35 days of approval, from a bank account
- You still have to meet conditions on your income and existing debt
How to apply
Use "Check My Eligibility" on Capital One's site, which does not affect your credit score, then apply.
Verified 10 Oct 2026 · source
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