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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
Learn more
Learn more

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

1 - 2 of 2
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
Pay no annual fee, be automatically considered for a higher credit line in as little as 6 months
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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