Capital One Platinum Secured Credit Card

5 of 6 confirmed — 1 point on hold pending re-verification as of 24 September 2026.

Checks confirmed: 5/6
Verified: 24 September 2026
Next check: 24 March 2027
Category: credit-builder product

A HOLD means one point is still being verified — it is not a pass, and it is not a fail.

What remains open: A real, disclosed variable purchase APR tied to the Prime Rate is confirmed to exist and be presented as such (not in dispute).

Key findings

Confirmed directly on capitalone.com and cross-checked against multiple independent card-review sources: the account is reported monthly to all three bureaus (Equifax, Experian, TransUnion), not a subset.
$0 annual fee; a refundable security deposit of $49, $99, or $200 (set by Capital One based on the applicant's credit standing, not negotiable) opens a credit line of at least $200 — i.e. the line can exceed the deposit.
The deposit is returned either when the account is upgraded to an unsecured card or when the account is closed with a zero balance; both paths are described in Capital One's own consumer-education pages, not only in secondary sources.
No guaranteed-score-increase marketing identified anywhere in Capital One's own materials for this product.
Capital One states it periodically and automatically reviews secured accounts for upgrade eligibility to an unsecured card (commonly discussed across sources as around 6 months of on-time payments and low utilization, though Capital One does not commit in writing to a fixed date), and independently confirms the deposit is returned upon upgrade.

Check overview

Every point on our standard, checked individually — not one blended score.

Bureau Reportingpass
Fee Transparencypass
Deposit Refundabilitypass
Funds Locked Structurena
APR Interest Disclosurehold
No Guaranteed Score Claimspass
Graduation Pathpass

Read the full explanation for each point

Bureau Reportingpass
Confirmed directly on capitalone.com and cross-checked against multiple independent card-review sources: the account is reported monthly to all three bureaus (Equifax, Experian, TransUnion), not a subset.
Fee Transparencypass
$0 annual fee; a refundable security deposit of $49, $99, or $200 (set by Capital One based on the applicant's credit standing, not negotiable) opens a credit line of at least $200 — i.e. the line can exceed the deposit.
Deposit Refundabilitypass
The deposit is returned either when the account is upgraded to an unsecured card or when the account is closed with a zero balance; both paths are described in Capital One's own consumer-education pages, not only in secondary sources.
Funds Locked Structurena
This is a secured card, not a credit-builder loan; no locked-savings/installment structure applies.
APR Interest Disclosurehold
A real, disclosed variable purchase APR tied to the Prime Rate is confirmed to exist and be presented as such (not in dispute).
No Guaranteed Score Claimspass
No guaranteed-score-increase marketing identified anywhere in Capital One's own materials for this product.
Graduation Pathpass
Capital One states it periodically and automatically reviews secured accounts for upgrade eligibility to an unsecured card (commonly discussed across sources as around 6 months of on-time payments and low utilization, though Capital One does not commit in writing to a fixed date), and independently confirms the deposit is returned upon upgrade.

How this was verified

Checked against our published standard — the exact sources each point is checked against are listed in our methodology, never this company's own marketing.

Corrections & disputes

Think something here is wrong or out of date? Report it — we commit to reviewing every dispute within 5 business days. Any past correction to this Register is logged publicly in the Corrections section.