Best for frequent travelers with a low credit score

This card is worth considering if you’re looking for a no-annual-fee option to boost your credit score, while earning cash back. But the card’s high APR and minimum deposit requirement will be a turnoff to some.

At a glance

  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 1.5% Earn unlimited 1.5% cash back on every purchase, everywhere
no offer
None
29.99% (Variable)
29.99% (Variable)
N/A
29.99% (Variable)
N/A
$0
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line

At a glance

  • 5% Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • 1.5% Earn unlimited 1.5% cash back on every purchase, everywhere
no offer
None
29.99% (Variable)
29.99% (Variable)
N/A
29.99% (Variable)
N/A
$0
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024

Our Take

TPG Editor's Rating

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3/5

Overview

This secured card offers a better-than-average 1.5% return rate on general purchases, making it a solid, simple option for cardholders, along with no annual fee. But it also carries an extremely low $200 credit limit to start.

Pros

  • This secured card offers straightforward cash back and helps rebuild credit.

Cons

  • This card has a hefty security deposit and APR.

Who is this card good for?

This card is ideal if you’re looking for a low-cost way to boost your credit score while earning cash back with no annual fee.

Earning Rewards

This card offers 1.5 percent cash back on all eligible purchases, plus unlimited 5 percent cash back on hotels and rental cars booked through Capital One Travel.