This article contains links to products or services from one or more of our advertisers or partners. We may receive a commission when you click or make a purchase using our site. Learn more about how we make money.

Capital One® Platinum Credit Card vs. Capital One® Secured Mastercard®

One is an unsecured card and one is a secured credit-building card.

Updated

Fact checked

Both these cards are meant for building credit, but the Capital One® Platinum Credit Card is an unsecured card that requires at least a fair credit score to apply. The Capital One® Secured Mastercard®, on the other hand, is a secured card where you can apply with poor credit. Both cards have a $0 annual fee.

Compare other features in the table below.

Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

Rates & Fees

Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.5 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Building credit without a deposit
  • Growing your credit score and limit
Welcome offer
Welcome offer

N/A

N/A

Rewards
Rewards

N/A

N/A

Purchase APR
Purchase APR

22.99% variable

26.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

22.99% variable

26.99% variable

Cash advance
Cash advance

APR: 22.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

APR: 26.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 580 580
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

  • No annual fee
  • Higher credit line after five on-time payments
  • Qualify with average credit

Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

  • You'll pay no annual fee to use this card.
  • Depending on your credit, you may pay a security deposit as low as $49 and still get a $200 credit limit.
  • Make your first 5 monthly payments on time and Capital One will raise your credit limit.

Compare credit cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
OakStone Platinum Secured Mastercard®
Starting at $200
9.99% variable
$49
300
Build credit and enjoy an ultra-low APR on purchases of 9.99% variable with this secured credit card.
OakStone Gold Secured Mastercard®
Starting at $200
13.99% variable
$39
300
A secured credit card to help you build credit with a low APR on purchases of 13.99% variable.
Surge Mastercard® Credit Card
You may be asked to make a deposit for a secured card
25.9% to 29.99% variable
$75 to $99
580
An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. This is a rare offer among similar cards.
Reflex Mastercard® Credit Card
You may be asked to make a deposit for a secured card
25.9% to 29.99% variable
$75 to $99
580
Made for people with poor credit who want an unsecured credit card. It can help you build credit, but watch out for high fees and interest.
Destiny Mastercard
N/A
24.9% fixed
$59 to $99
300
An unsecured credit card for building credit with the option to see if you prequalify before applying.
loading

Compare up to 4 providers

Compare Capital One credit cards

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site