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39

Platinum Secured

Capital One, National Association

Secured cardTop-25 issuerNationalVariable · PrimeNo credit scoreCredit score 619 or less
Issuer site ↗
Purchase APR
29.49–29.74%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered29.49%
Median29.74%
Highest offered29.74%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered29.49%
Median29.74%
Highest offered29.74%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance fee5% (min $5)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Late fee policy: Up to $29.00 for first late fee.

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-903-9177
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 29.74%$892.20
Annual / periodic fees$0
Total yearly cost$892.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

20 documents filed by Capital One, National Association in the 2026 Q1 archive.

All 20 agreements

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