| Benefit | Category | Value / Coverage |
|---|---|---|
|
Automatic Credit Line Review
Cardholders are automatically considered for a higher credit line in as little as 6 months with responsible card use, with no additional deposit required.
|
Financial | Complimentary |
|
No Annual Fee
No annual fee charged for this secured card, keeping the total cost of card ownership at $0 beyond the refundable security deposit.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fees
No fees charged on purchases made outside the United States or in a foreign currency.
|
Financial | 0% foreign transaction fee |
|
Refundable Security Deposit
A refundable security deposit of as little as $49, $99, or $200 is required to open the account depending on creditworthiness; the deposit determines the initial credit limit up to $1,000 and is returned in full upon account closure in good standing or upgrade to an unsecured card.
|
Financial | Refundable deposit from $49 |
|
Upgrade Path to Unsecured Card
With responsible use, cardholders may be offered an upgrade to an unsecured Capital One Platinum Credit Card, at which point the full security deposit is refunded.
|
Financial | Full deposit refund upon upgrade |
|
Capital One Café Discount
Cardholders receive 50% off all handcrafted beverages at any Capital One Café nationwide.
|
Lifestyle | 50% off beverages |
|
Capital One Mobile App
Full-featured mobile app for viewing balances, making payments, setting account alerts, and accessing Eno virtual assistant.
|
Other | Complimentary |
|
Credit Bureau Reporting
Capital One reports account activity to all three major credit bureaus — Equifax, Experian, and TransUnion — monthly, supporting active credit profile building.
|
Other | Complimentary |
|
CreditWise Credit Monitoring
Free access to CreditWise from Capital One, providing credit score tracking, credit report monitoring via TransUnion and Experian, and dark web monitoring with no impact to credit score.
|
Other | Complimentary |
|
$0 Fraud Liability
Cardholders are not responsible for unauthorized charges if the card is lost or stolen.
|
Security | $0 liability |
|
Card Lock
Cardholders can instantly lock and unlock their card via the Capital One Mobile app if it is misplaced, lost, or stolen.
|
Security | Complimentary |
|
Security Alerts
Capital One notifies cardholders via text, email, or phone if potentially suspicious activity is detected on the account.
|
Security | Complimentary |
|
Virtual Card Numbers (Eno)
Capital One's Eno virtual assistant allows cardholders to generate virtual card numbers for safer online shopping, protecting the actual card number from data breaches.
|
Security | Complimentary |
|
Capital One Shopping
Free browser extension that automatically applies coupon codes at checkout and alerts cardholders to price drops on items viewed or purchased.
|
Shopping | Complimentary |
|
24-Hour Travel Assistance Services
Around-the-clock travel assistance including emergency card replacement and emergency cash advance if the card is lost or stolen while traveling.
|
Travel | Complimentary |
