Guaranteed Mastercard®
Build your credit with no annual fee
Find out if you’ll be pre-approved1 with no risk to your credit score.
Guaranteed credit card approval3
Protect your credit against fraud4
Security funds may be required
How it works
Step 1
Use your card
Step 2
Pay on time
Step 3
Build credit
You’re guaranteed approval if you meet these four conditions
You may need to provide security funds. Learn more.
You meet the legal age requirement
You’re at least the age of majority in your province or territory of residence.You’re authorized to have credit
You don’t have a frozen credit profile and your eligibility for credit is not prohibited for legal or regulatory reasons.You don’t have any pending applications
You don’t have an existing Capital One account or a pending application for one.Your account is in good standing
You haven’t applied for a Capital One account more than once in the last 30 days, haven’t had a Capital One account that was not in good standing in the last year, and aren’t in legal recoveries with Capital One.
Build your credit with confidence
Build and rebuild your credit and gain access to Mastercard benefits with the Capital One Guaranteed Mastercard. With responsible use, this card can help you achieve your financial goals and improve your credit score.
We’ve got your back with our suite of benefits
Everyday benefits
Purchase Assurance
Lost, stolen or damaged purchase? Eligible items can be protected.
Extended Warranty
Automatically double the original manufacturer’s warranty on eligible purchases.
Car Rental Collision/Loss Damage Waiver Insurance
Save on collision damage waiver insurance for rentals – you may already be eligible for coverage.
Price Protection Service
Did an item you purchased go on sale? You may be eligible to receive the cost difference.
Travel benefits
Common Carrier Travel Accident Insurance
Travel with ease with your entire family. You could be eligible for insurance coverage in the event of accidental loss of life or dismemberment while on a common carrier.
Baggage Delay Insurance
Purchase of essential items may be reimbursed if your luggage is delayed when you purchase a trip with your card.
Mastercard benefits
Mastercard Global Service™
Get emergency card replacement, emergency cash advance and more if your card is lost or stolen.
Zero Liability
Don’t pay for any unauthorized purchases on your card.
More than just a credit card
You’ve got this and we’ve got you. That’s why all of our cards come with a range of
features, tools and services to help you get the most out of your card.
Stay secure and in touch with your account
Get notified about unexpected charges
Know about any suspicious card activity as it happens, and get alerted to unexpected charges like bill hikes and double charges and more.
Customize alerts to suit your needs
Get help remembering when payments are due, know when you’re close to your credit limit and more great alerts to help you stay on top of your credit.
Manage your account from anywhere with our app
Learn more
Track your credit score for free with Credit Keeper®
Learn more
Get personalized customer support
Self-serve support
with our Support Centre
Live chat
in your account online
24/7 live agents
on call, any time
You asked, we answered
