finder.com

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

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

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

Avatar
Megan Horner
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

Terms apply, see rates & fees

Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

Terms apply, see rates & fees
Finder rating
Finder 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

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

Data updated regularly
Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Capital One® Platinum Credit Card
Capital One® Platinum Credit Card
N/A
22.99% variable
$0
580
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
View details
Capital One® Secured Mastercard®
Capital One® Secured Mastercard®
$49, $99 or $200
26.99% variable
$0
580
Get access to a higher credit line after making your first 5 monthly payments on time.
View details
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