The card that rebuild your credit in the US from scratch
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No credit score required. Minimum deposit of $49. Credit limit review in 6 months.
Capital One Platinum Secured · Credit Building Card
In the US, a low credit score closes many doors.
Car financing, apartment rental, approval for other credit cards — it all depends on your credit history.
Capital One Platinum Secured is designed precisely for those who are in this situation: with no credit score, a low credit score, or rebuilding after financial difficulties.
The security deposit is refundable, the annual fee is zero, and responsible use for a few months will already start moving your score in the right direction.
- No credit score required. To apply — accessible for those who are starting out or restarting.
- Deposit from $49 — depending on your profile, it could be $49, $99 or $200, always refundable.
- Initial limit of $200 — with the option to increase by depositing more before activation, up to $1,000.
- Automatic credit limit review in 6 months. No additional deposit required, just a good payment history.
- Monthly report to the 3 bureaus Equifax, Experian, and TransUnion receive your history every month.
- CreditWise is free. Monitor your score without impacting your rating.
- No annual fee and no foreign transaction fee. — no surprises on the bill.
- Upgrade option available For Platinum, it is not insured after responsible use.
| Annuity | $0 |
| Security deposit | $49, $99 or $200 (refundable) |
| Initial limit | $200 (can be increased up to $1000) |
| APR | 29,49% variable |
| Rewards | None — focus on credit building |
| Reported bureaus | Equifax, Experian and TransUnion |
| Credit score required | None — accepts no history |
| Issuer | Capital One |
The deposited amount serves as collateral and defines your initial limit.
You deposit $200 and have a $200 limit to use.
After 6 months of on-time payments, Capital One automatically reviews your account — and may increase your limit without requiring an additional deposit.
When you close your account or are upgraded to a non-secure card, the entire deposit is returned.
This card's APR is 29,49% — high, as is standard for credit rebuilding cards in the US.
Therefore, Platinum Secured works best as a history-building tool, not as a form of financing.
The ideal strategy is to use the card for small monthly purchases — such as a streaming subscription or gas bill — and pay the total balance each month, without accumulating debt.
This way you build a positive track record without paying a single cent of interest.
Start building your credit in the US today.
No credit score required. Deposit from $49. Response in seconds.
Apply for Platinum SecuredRates and terms updated in 2026 and subject to change. See the Capital One website for current terms. This page may contain affiliate links.
