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Our illustration in the card’s colours, not its design

Capital One credit card

Capital One Platinum Secured credit card

  • APR up · 28.99%29.24% · Oct 8, 2026

No annual fee. Purchase APR 29.24%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$0$0
Typical spender$0$0
Heavy spender$0$0
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

  • No annual fee, like about 90% of the 50 cards on our Secured list (see the list).

Other secured cards without rewards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Benefits

  • No foreign transaction fees
  • 10,000 bonus miles earned after each account anniversary, starting with the first anniversary, applied to the rewards balance (stated in the document's 'anniversary bonus' FAQ; the document does not clearly tie this to the Platinum Secured card, and no rewards program is otherwise described)
  • Other

Changes

28.99%29.24% since Oct 8Oct 8Today
  • Oct 8, 2026 APR 28.99%29.24%

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Foreign transactions

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$0 · capitalone.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · capitalone.com, since Oct 21, 2026
What is the purchase APR?
29.24% APR · capitalone.com, since Oct 8, 2026
See it on capitalone.com

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