Independent ClearFin review · Capital One
Review the fees, eligibility, and credit-building features for the Capital One Guaranteed Secured Mastercard.
Offers can change without notice
Confirm with the issuer
🔒 Secured BuilderThis card is designed primarily for access to credit rather than rewards. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueIssuer promotions change frequently. Check the card's official page before applying.
Confirm final approval criteria and current rates directly with the issuer.
The Capital One Guaranteed Secured Mastercard is specifically designed for individuals with poor credit, limited credit history, or those rebuilding their credit profile. Approval is based primarily on meeting Capital One's eligibility requirements and providing the required security deposit.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated approval range based on the card's secured and credit-building nature. Capital One does not publish a minimum credit score requirement. Applicants with poor, fair, limited, or no credit history may qualify, provided they meet the card's eligibility requirements and provide the required refundable security funds.
Reward limits: The Capital One Guaranteed Secured Mastercard does not offer a rewards program, cashback program, or travel rewards program. As a result, there are no reward earning categories, accelerated earn rates, or spending caps associated with this card. The card is designed primarily to help consumers establish or rebuild their credit history through responsible use.
Redemption values and availability may vary by option and can change.
This card is not currently listed with a points or cash-back redemption program; its value is primarily tied to credit access or borrowing cost.
Consider these extras by the value they add to purchases and experiences you already use.
Credit Building Opportunity
Designed to help individuals establish or rebuild credit history through responsible card use and on-time payments.
Guaranteed Approval
Applicants who meet Capital One's eligibility requirements are guaranteed approval, subject to providing the required security funds.
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.
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 learn what impacts it through Capital One's free Credit Keeper service.
Fraud Monitoring
Advanced fraud detection systems help identify suspicious account activity and unauthorized transactions.
Custom Account Alerts
Receive notifications for payment due dates, unusual account activity, spending activity, and approaching credit limits.
Mobile and Online Account Management
Manage your account, make payments, review transactions, and access support through Capital One's digital banking platforms.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
Secured credit-building card with a refundable deposit. No rewards. No annual fee.
This card does not currently list a rewards return in ClearFin's catalogue. Its value is primarily tied to credit access and account management rather than points or cash back.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
It may suit someone prioritizing access to credit or rebuilding history, provided the issuer's approval terms and any security-deposit requirements fit their situation.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
💳 Pay-to-Earn
💵 1% Cashback
✈️ Reward Miles
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
