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

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

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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 Platinum Secured Credit Card, 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 Platinum Secured Credit Card

Capital One Platinum Secured Credit Card

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

26.99% variable

26.99% variable

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

26.99% variable

26.99% variable
Cash advance
Cash advance

APR: 26.99% 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 580 300
Card type
Card type Credit Credit
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Compare Capital One Platinum Credit Card vs. Capital One Platinum Secured Credit Card

Data updated regularly
Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
Capital One Platinum Credit Card
Capital One Platinum Credit Card
N/A
26.99% variable
$0
580
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
Apply now
View details
Capital One Platinum Secured Credit Card
Capital One Platinum Secured Credit Card
$49, $99 or $200
26.99% variable
$0
New to credit
A no-annual-fee secured card that separates itself from the pack with a $200 credit limit after making a more affordable than average deposit of $49, $99 or $200.
Apply now
View details
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