| Rewards | None |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.99%. (APR is subject to change) |
| Cash Advance Fee | You’ll be charged either $5 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $40 |
| Purchases APR | The purchase APR is also around 28.99% variable (it can vary a bit with the Prime Rate), and interest will apply if you carry a balance past the due date. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Capital One Secured Credit Card is known as a no‑frills, credit‑building card with a $0 annual fee and no rewards program. Cardholders use it primarily to establish or rebuild credit, with a refundable security deposit that sets their credit limit. There’s no signup bonus, so the focus is purely on responsible credit use.
Most users say they like how easy it is to get approved, even with fair or limited credit. Many reviewers mentioned that the ability to qualify for a higher credit line after making on-time payments is a big plus. People also appreciate the transparent terms and Capital One’s helpful app, which makes tracking payments simple.
On the downside, users often complain about the high ongoing APR on purchases and cash advances, which makes carrying a balance expensive. Some also note the card lacks rewards or perks, so it feels very basic compared to other credit cards.
Personally, I think this card is ideal for anyone focused on building or repairing credit. It’s worth applying for if your priority is establishing a solid credit history, but if you already have good credit or want rewards, there are better options available.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
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made my busy life so much easier
I didn't expect to love a credit card, but my Capital One card genuinely surprised me. I travel for work a lot, and being able to check my account instantly and get real time alert has saved me from a few close calls. The cash back perks feel like a bonus I actually notice. It just works smoothly, every time.
