This card is built for someone who needs a secured card but still wants a simple rewards setup they can keep using every day. Its strength is straightforward cash back on all purchases, so it works better as an everyday credit-building card than as a niche card for specific categories.
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Terms Apply.
Everyday spending
Building credit history
No foreign transaction fees
Yes, if you want a secured card that is easy to use and does not force you to track rotating categories or spending caps. The main appeal is simple: you earn 1.5% cash back on everything while building or rebuilding credit, and the $0 annual fee keeps the card easy to hold long term. That combination is not common among secured cards, which often focus more on access than ongoing value.
The tradeoff is that this is still a basic secured card. There is no welcome bonus, the travel bonus only applies through Capital One Travel, and there are no notable extra perks to help offset the very high APR if you carry a balance. It is a strong fit for someone who plans to pay in full, use it regularly, and prioritize credit building with decent everyday rewards.
A good secured card for people who want to build credit without giving up everyday cash back. If you need premium perks or richer category bonuses, this is not the card for that.
The rewards structure is simple: 1.5% cash back on nearly everything, with 5% back on select travel booked through Capital One Travel. For most cardholders, the value here is the flat-rate earning on everyday purchases, not trying to maximize niche categories.
Hotels (Capital One Travel), Vacation Rentals (Capital One Travel), Rental Cars (Capital One Travel)
Every Purchase
Est. Annual Rewards
Price drop protection
We’re so confident in our prices, that if you book when we recommend, we'll keep watching the price for 10 days. If it drops, we’ll give you up to $50 in travel credit to help cover the difference.
Price match guarantee
If you book your trip through Capital One Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Annual Fee
$0
Purchase APR
28.99%
Variable
Transfer APR
28.99%
Variable
Cash Advance APR
28.99%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$5
Late Payment
$40
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn $2,000 Cash Back
Once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $1,500
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn $1,000 Cash Back
Once you spend $10,000 in the first 3 months from account opening
Annual Fee
$0 intro for first year; $95 after that
Rec. Credit
Excellent
