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Capital One Guaranteed Secured Mastercard review
A credit card from Capital One, compared on fees.
CAPITAL ONE
Capital One Guaranteed Secured Mastercard
$0ANNUAL FEECheck issuerFX FEE
Apply nowOn Capital One’s secure site
- Annual fee
- $0
- Interest rates
- 29.90% / 29.90% Purchase / cash advance
- FX fee
- Check issuer
Rates & fees
| Annual fee | $0Security funds are required. Capital One tells you the amount after approval; funds are fully returned if you close the account and have paid off your balance. Quebec residents: 21.9% on purchases, balance transfers and cash advances (29.9% elsewhere). Per Capital One's Support Centre, the limit can be raised up to $2,500 by sending more security funds ($1 of limit per $1). |
|---|---|
| Monthly equivalent | $0 |
| Foreign transaction fee | Check issuer |
| Purchase interest rate | 29.90% |
| Cash advance rate | 29.90% |
| Balance transfer rate | 29.90% |
| Network | Mastercard |
Insurance coverage
- Purchase Assurance: most personal items insured against theft, loss or damage for 120 days
- Included
- Extended Warranty: doubles the original manufacturer's warranty for up to 2 years
- Included
- Car Rental Collision/Loss Damage Waiver: rentals up to 31 consecutive days
- Included
- Common Carrier Travel Accident Insurance: up to $250,000
- Included
- Baggage Delay Insurance: up to $100 per day for up to three days
- Delay over four hours
Perks & benefits
- Guaranteed approval if you meet four conditions (age of majority, authorized to have credit, no existing Capital One account or pending application, no recent Capital One account issues)
- Pre-approval check (Quick Check) with no risk to your credit score
- Account behaviour reported to the credit reporting agencies regularly
- Free credit score tracking with Credit Keeper
- Mastercard Zero Liability and Mastercard Global Service
- Customizable alerts for payments due, nearing credit limit and unexpected charges
- Price Protection Service: up to $100 per item and $500 per calendar year if an item is discounted within 60 days
How it compares
- One of 40 of the 109 credit cards we track with no annual fee.
Side by side with similar picks
| Capital One Guaranteed Secured Mastercard |  Walmart Rewards Mastercard |  Credit cardTD Low Rate Visa Card |  American Express Green Card | |
|---|---|---|---|---|
| Annual fee | $0 | $0 | $25 | $0 |
| FX fee | Check issuer | Check issuer | Check issuer | 2.5% |
| Rewards rate | — | 1% - 3% | — | 1x |
| Purchase interest | 29.90% | 21.99% | 12.90% | 21.99% |
| Welcome bonus | — | $25 in Walmart Reward Dollars | Get a 0% promotional interest rate on Purchases for the first 6 months from Account opening and receive an Annual Fee rebate for the first year. Conditions Apply | Up to 10,000 Membership Rewards points |
| Offered by | Capital One | Fairstone Bank of Canada | TD Bank | American Express |
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Frequently asked questions
Does the Capital One Guaranteed Secured Mastercard have an annual fee?
No. The Capital One Guaranteed Secured Mastercard has no annual fee.
What is the interest rate on the Capital One Guaranteed Secured Mastercard?
29.90% on purchases and 29.90% on cash advances. You can avoid purchase interest by paying your full statement balance by the due date.
Rates, fees and offers come from Capital One’s published terms and can change at any time. Confirm the current terms with Capital One before applying. CreditLab may earn a commission from partner links; this never changes the facts we show. See our methodology.