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Capital One® Platinum Credit Card vs. Wells Fargo Secured Credit Card

One unsecured card and one secured card for building credit.

Updated

Fact checked

The Capital One® Platinum Credit Card is an unsecured card with a $0 annual fee, aimed at those with fair credit, while the Wells Fargo Secured Credit Card is a secured card with a $25 annual fee, aimed at those with poor credit. Both are credit-building cards with no signup bonus and no rewards program.

Check out all other perks and features in the table below.

Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

Rates & Fees

Wells Fargo Secured Credit Card

Wells Fargo Secured Credit Card

Rates & Fees

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

★★★★★

4.5 / 5.0

★★★★★

3.8 / 5.0
Best for
Best for
  • Building credit without a deposit
  • Low annual fee for credit-building card
Welcome offer
Welcome offer

N/A

N/A

Rewards
Rewards

N/A

N/A

Purchase APR
Purchase APR

22.99% variable

20.49% variable

Annual fee
Annual fee $0 $25
Balance transfer APR
Balance transfer APR

22.99% variable

20.49% variable

Cash advance
Cash advance

APR: 22.99% variable

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

APR: 25.49% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None 3% of each transaction or $3, whichever is greater
Late payment fee
Late payment fee Up to $39 $37
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0 $1
Minimum credit score
Minimum credit score 580 300
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

Wells Fargo Secured Credit Card

Wells Fargo Secured Credit Card

  • Build credit with reporting to credit bureaus
  • Upgrade to an unsecured Wells Fargo card with responsible card use
  • US residency not required
  • $10,000 credit limit

Compare credit cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
OpenSky® Secured Visa® Credit Card
Starting at $200
17.39% variable
$35
300
Apply for this card with no credit check if you're new to credit or have bad credit.
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Starting at $200
0% intro for the first 6 months (then 12.99% variable)
$49
300
A rare secured card with a 0% intro APR on purchases for 6 months, followed by 12.99% variable.
First Progress Platinum Elite MasterCard® Secured Credit Card
Starting at $200
19.99% variable
$29
300
Build your credit with all three major credit bureaus.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Starting at $200
9.99% fixed
$48
300
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.
Self Visa® Credit Card
Starting at $100
21.74% variable
$25
300
Build your credit with a low minimum security deposit of $100 and no credit score required.
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Compare up to 4 providers

Compare Capital One credit cards

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