Capital One Platinum Secured

Capital One Platinum Secured card art

Capital One · Credit card · Building credit

2.5 Debt Sunset rating vs. other building credit cards

A secured card with a low refundable deposit (from $49) and no annual fee, for rebuilding credit.

Rates, fees and offers

Regular APR
28.99% variable
Annual fee
$0
Promo offers
None currently advertised
Balance transfer fee
See Capital One rates & disclosures
Rewards
No rewards. Refundable deposit of $49, $99 or $200 (depending on credit); no foreign transaction fees.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

Your deposit is refundable. Responsible use can graduate you to an unsecured card.

Paying and contacting Capital One

Customer service
1-800-227-4825
Pay by mail
Capital One, Attn: Payment Processing
PO Box 71087
Charlotte, NC 28272-1087

Overnight: Capital One, Attn: Payment Processing, 6125 Lakeview Rd, Suite 800, Charlotte, NC 28269

Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.

Billing disputes
Capital One
Attn: Disputes
P.O. Box 30279
Salt Lake City, UT 84130-0279

See all Capital One cards → · Search all cards

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