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

Two secured credit cards for those with poor credit.

Please note: The Wells Fargo Secured Credit Card has been discontinued, and it is not available on our site.
The Capital One Platinum Secured Credit Card has a $0 annual fee, while the Wells Fargo Secured Credit Card comes with a $25 annual fee. Both are secured credit cards for building credit, with no rewards program and no signup bonus.

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

Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card

Terms apply, see rates & fees

Wells Fargo Secured Credit Card

Wells Fargo Secured Credit Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.4 / 5.0

★★★★★

3.8 / 5.0
Best for
Best for
  • Growing your credit score and limit
  • 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

26.99% variable

20.49% variable

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

26.99% variable

20.49% variable

Cash advance
Cash advance

APR: 26.99% 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 $40 $37
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0 $1
Minimum credit score
Minimum credit score 300 300
Card type
Card type Credit Credit
Learn more
Learn more

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Compare secure credit cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
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.
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.
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