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

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

Megan Horner
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

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®
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.
Apply now
View details
OakStone Gold Secured Mastercard®
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.
Apply now
View details
Surge Mastercard® Credit Card
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.
Apply now
View details
Reflex Mastercard® Credit Card
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.
Apply now
View details
Destiny Mastercard
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.
Apply now
View details
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Compare up to 4 providers

Compare Capital One credit cards

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