Eligibility requirements:
- Must be at least 18 years old with a valid SSN or ITIN.
- Monthly income must exceed monthly rent/mortgage by $425 or more.
- No unresolved bankruptcies or recent Capital One charge-offs.
- Credit security freezes must be removed before applying.
- Must reside in the U.S., Puerto Rico, or at a U.S. military location.
Capital One Platinum Secured Card application steps:
- Visit the Capital One website.
- Click “See if I’m Pre-Approved” for a no-impact credit check.
- Provide personal and financial information on the application.
- Pay your refundable security deposit to open your account.
- Receive your card and start using it to build credit responsibly.
Frequently asked questions
What is the minimum income to apply for the card?
Your monthly income must exceed your rent/mortgage by at least $425 to qualify.
How do I track my credit card application?
You can track your application status anytime through Capital One’s online portal.
How long does it take for my card to be approved?
Approval typically takes 7–10 business days, but some decisions are made within seconds.
Can I be approved for Capital One Platinum Secured Card with a low score?
Yes! This card is designed for individuals rebuilding credit, even with scores below 600.