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Annual Fee$0
APR29.99% variable
Sign-up BonusNone~$0 value
RewardsNone
Credit Scorepoor
Foreign FeesYes (3%)
+ Pros
- ✓As low as $49 deposit (lowest available)
- ✓$0 annual fee
- ✓Auto credit line increase after 5 months
− Cons
- ✗No rewards at all
- ✗29.99% APR
- ✗Foreign transaction fee
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| All purchases | 0% | $200/mo | $0 |
| Total Estimated Annual Rewards | $0 | ||
Perks & Credits
$49-200
Low Deposit
After 5 months
Automatic Review
CFPB Consumer Complaints(Last 12 months)
10,107Credit card complaints
0%Timely response rate
Source: CFPB Consumer Complaint Database. Complaints are not necessarily evidence of wrongdoing.
Who This Card Is For
- →Post-bankruptcy filers who are cash-strapped
- →Anyone who wants the lowest possible entry cost to start rebuilding
- →People who just need a reporting tradeline, not rewards
Who Should Skip This Card
- →Anyone who wants rewards (Discover it Secured is better)
- →People who can afford a $200+ deposit
- →Those who need a card accepted internationally
How It Compares
| Card | Annual Fee | Best Rate | Score |
|---|---|---|---|
| Capital One Platinum Secured (this card) | $0 | None | 4.2/5 |
| Discover it Secured Credit CardBest Card for Building Credit | $0 | 2% | 4.4/5 |
| OpenSky Secured VisaEasiest Secured Card to Get | $35 | 0% | 3.8/5 |
Frequently Asked Questions
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Last updated: 2026-03-31