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Secured Credit Card

  • Guaranteed by your funds, which act as a security deposit in case you default on the loan extended by the credit card company.
  • Security deposit will be refunded in full if your account is up-to-date and paid on time when you close out your card.
  • Looks and works like any other credit card, so it won't be apparent to others that this is a secured card.
  • You fund the card by depositing $49, $99 or $200 into a FDIC-insured account. Deposit amount is based on your credit history.

Helps Credit History

  • Helps boost your credit history by reporting to all three credit bureaus every month so you can establish or rebuild your credit.
  • Looks like any other credit card on the credit reports - there is no indication that you have a secured card.
  • If you make your payments on time, you can help improve your credit score with good payment behavior.

Fees and APR

  • Annual Fee: $0.
  • Foreign Transaction Fees: None.
  • Purchase APR: 24.99% (Variable).
  • Balance Transfer APR: 24.99% (Variable).
  • Balance Transfer Fee: $0.
  • Terms and Conditions


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Capital One Secured MasterCard

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The Capital One Secured MasterCard is a secured credit card, a good choice for individuals who have no or limited credit history, or have past or current credit issues. We really like this card because it reports your payment history to all 3 credit bureaus, so you can build and improve your credit by paying your card on time each month. Whether you choose to pay the minimum payment on your balance, or pay your card in full each month in order to avoid finance charges, the positive financial action will assist in boosting your credit. Another big plus is the fact that no one will know that this is a secured card, including the credit bureaus. It looks and works just like a regular credit card. The icing on the cake is that there is no annual fee #8211; a relative rarity for secured credit cards and a very nice perk indeed.

Capital One Secured MasterCard Benefits:

  • No annual fee, with all the credit building benefits
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital OneВ® Credit Tracker
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app
  • It#8217;s a credit card accepted at millions of locations worldwide

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One В® Credit Tracker
  • Your minimum security deposit gets you a $200 credit line
  • You may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required
  • Easily manage your account 24/7 with online access, by phone, or using our mobile app
  • It#8217;s a credit card accepted at millions of locations worldwide

  • Guaranteed by your funds, which act as a #8220;security deposit#8221; in case you default on the loan extended by the credit card company.
  • Security deposit will be refunded in full if your account is up-to-date and paid on time when you close out your card.
  • Looks and works like any other credit card, so it won#8217;t be apparent to others that this is a secured card.
  • You fund the card by depositing $49, $99 or $200 into a FDIC-insured account. Deposit amount is based on your credit history.

  • Helps boost your credit history by reporting to all three credit bureaus every month so you can establish or rebuild your credit.
  • Looks like any other credit card on the credit reports #8211; there is no indication that you have a secured card.
  • If you make your payments on time, you can help improve your credit score with good payment behavior.

  • Annual Fee: $0.
  • Foreign Transaction Fees: None.
  • Purchase APR: 24.99% (Variable).
  • Balance Transfer APR: 24.99% (Variable).
  • Balance Transfer Fee: $0.


Capital One Secured Credit Card Review

Secured card deposit capital one

Capital One secured credit card offers those with no credit or bad credit an opportunity to build and/or rebuild credit. This is very attractive to those who have had a rough patch in their credit profile and wish to rebuild a positive credit score.

The way it works is they#8217;ll review your credit to determine if you#8217;ve ever had credit or what your past credit history looks like. Depending on what they see (or don#8217;t if you#8217;ve never had credit) on your credit report, they may extend a Capital One secured credit card offer to you.

Secured card deposit capital oneIf they do, they#8217;ll determine the amount of your security deposit and the amount of your credit limit. They use several factors to determine these amounts, which are subject to change at any time. Once they receive your security deposit, they will issue you a secured credit card and send it to the mailing address that you provided on your credit application.

Over time, Capital One will periodically review your credit (usually once every six months, but it may only occur once per year, depending on the type of card you applied for). They do this for a variety of reasons such as increasing your credit limit or lowering your interest rate.

With a Capital One secured card, you will also receive many benefits such as 24/7 roadside assistance, mobile apps that allow you to have immediate access to your account, account alerts that let you know when your payment is due or when you#8217;re too close to your limit and you can add an authorized user if you wish. Adding an authorized user to your account gives the user the same access you have, but it gives them a card with their name on it and it helps their credit in addition to helping build a positive credit history of your own.

As you continue to positively build your credit with Capital One, they may increase your credit limit, which helps boost your credit score because it shows that you are taking steps in the right direction which may open other lines of credit for you in the future.

Secured card deposit capital oneMany users report that the Capital One secured credit card has worked wonders for them and made it possible to purchase a home, obtain an auto loan and said that it was easy to seek approval. According to some of the consumers who have this particular card, they#8217;ve reported that Capital One alerts them quickly if there#8217;s suspicious activity on their account and have said that online payments post quickly once they#8217;ve paid their bill using the online bill pay feature.

All in all, 91% of users would recommend this card to a friend or family member who is needing to rebuild their credit. This number has been taken from over 11,000 reviews, most of which are 5 star reviews praising the card and giving it credit for the positive impact it has had on their credit score. Overall, this card receives a rating of 4.4 out of a possible 5-stars.

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