Capital One

Capital One Guaranteed Mastercard

Full earn rates, fees and benefits for the Capital One Guaranteed Mastercard.

Annual fee
$0
Typical credit · 300+
Capital One Guaranteed Mastercard🌱 Credit Builder

How you earn

  • No rewards program
  • No cashback earnings
  • No travel rewards earnings

Built-in perks & coverage

Credit Building Opportunity

Designed to help individuals establish or rebuild their credit history through responsible card use and on-time payments.

Guaranteed Approval

Applicants who meet Capital One's eligibility requirements are guaranteed approval, although security funds may be required.

Purchase Assurance

Eligible purchases are protected against theft, loss, or accidental damage for up to 120 days from the purchase date.

Extended Warranty

Automatically doubles the original manufacturer's warranty on eligible purchases for up to two additional years.

Car Rental Collision and Loss Damage Waiver

Coverage against theft, loss, or damage to eligible rental vehicles when the full rental cost is charged to the card and the rental company's collision damage waiver is declined.

Price Protection Service

Receive reimbursement for eligible price differences if an item purchased with the card is advertised at a lower price within 60 days of purchase, subject to policy limits.

Common Carrier Travel Accident Insurance

Coverage of up to $250,000 for accidental loss of life or dismemberment while travelling on an eligible common carrier when fares are charged to the card.

Baggage Delay Insurance

Reimbursement for essential purchases when checked baggage is delayed for more than four hours during an eligible trip.

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Mastercard Global Service

Access emergency card replacement, emergency cash advances, lost card assistance, and worldwide support services when travelling.

Mastercard Zero Liability Protection

Protection against unauthorized purchases made with your card if it is lost, stolen, or used fraudulently.

Free Additional Cardholders

Add additional cardholders at no extra cost to help manage household spending.

Capital One Credit Keeper

Monitor your credit score and understand factors affecting your credit profile through Credit Keeper.

Fraud Protection

Advanced fraud monitoring and account protection tools help identify suspicious activity and unauthorized transactions.

Custom Account Alerts

Receive notifications for payment due dates, unusual activity, spending activity, and approaching credit limits.

Mobile and Online Account Management

Manage your account, make payments, monitor transactions, and access customer support through Capital One's digital banking platforms.

The verdict

What we like

  • Guaranteed approval
  • No annual fee
  • Helps build credit history
  • No income requirement
  • Free credit score monitoring

Worth noting

  • No rewards program
  • No welcome bonus
  • Security deposit may be required
  • High interest rates
  • Limited premium benefits

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