Capital One Platinum Secured Credit Card

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: Primary applicants must be age 18+ and provide a physical U.S. address, identity details, income and bank-account information. Capital One supports SSN or ITIN in its pre-approval/application route, so SSN is Conditional; a pending SSN application alone is not a confirmed substitute. Under-21 applicants face additional ability-to-pay requirements. The product page says a credit score is not required to apply, but approval still depends on income, existing debt, identity and issuer assessment. No specific visa category is established in the reviewed disclosures; immigration-category eligibility remains unconfirmed. Pre-approval is a soft inquiry; proceeding with the application is a hard inquiry. The issuer assigns a minimum refundable deposit of $49, $99 or $200 based on creditworthiness, for an initial credit line of at least $200; $49 is not guaranteed. Fund it in USD from a U.S. deposit account by electronic funds transfer within 35 days of approval. Each installment must be at least $20 in whole-dollar increments. Cash, checks and other money-transfer methods are not accepted for the security deposit. Additional deposit before activation and within the funding window can increase the initial credit line up to $1,000; this credit-line ceiling does not establish a universal maximum collateral amount. The live product page advertises 29.24% variable purchase APR as checked 2026-10-10; the linked June 30, 2026 general secured-card agreement lists historical 28.99%. Confirm the personalized offer. Sources: https://www.capitalone.com/credit-cards/platinum-secured/ ; https://www.capitalone.com/learn-grow/money-management/capital-one-preapproval/ ; https://www.capitalone.com/credit-cards/faq/ ; https://www.capitalone.com/learn-grow/money-management/how-to-apply-for-a-credit-card/ ; linked official secured-card agreement.

Geographic restrictions: No product-specific exclusion of any of the 50 U.S. states was established by the reviewed official disclosures. A physical U.S. address is required for the U.S. application route. Confirm territory and overseas/military address eligibility with Capital One. Virginia governing law does not limit eligibility to Virginia. The agreement treats permanently residing outside the U.S. as an account-default event; this does not establish a citizenship or green-card requirement.

Product review: 03 Nov 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare secured credit cards requirements and costs · How we assess published requirements