Establish or repair your credit with a Guaranteed Mastercard.
Learn more about Guaranteed Mastercard®

Guaranteed Mastercard®


Top features at a glance:

You’re guaranteed to be approved as long as you meet these four conditions:

  • You’re at least the age of majority in your province or territory of residence
  • You don’t have an existing Capital One account or a pending application for one
  • You haven’t applied for a Capital One account more than once in the last 30 days
  • You haven’t had a Capital One account that was not in good standing in the last year

If we’re unable to approve you for a Gold card based on your credit history, you’ll be approved for a Secured card. With a Secured card, you’ll also be required to send in security funds.

Learn more about the Secured card.

How this Mastercard can help you build or rebuild credit.

Use Your Card

Make everyday purchases with your card, while staying within your credit limit.

Pay On Time

Make your payments on time, and pay at least the minimum monthly payment.

Build Credit History

We’ll report your credit card activity to the credit reporting agencies regularly.

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It’s helping me rebuild credit where even my own bank wouldn’t help.
Capital One Customer

Ratings and Reviews


We focus on providing our customers with effortless experiences.

Improve your credit.

We report your credit card activity to the credit reporting agencies on a monthly basis. Use your card responsibly to help establish or improve your credit.

Build for the future.

A good credit score gives you more options – it can help you get better interest rates on loans, and can increase your chances of getting approved for an apartment rental or mortgage.

Customize your alerts.

Set up reminders for when your payment is due, when you’re nearing your credit limit and when your statement is ready.

Stay on top of your account with our mobile app.

Check your balance and latest transactions while you’re on the go. Sign in using Touch ID and SureSwipe to securely access your account, anywhere.

Be notified of unexpected charges.

Second Look is a feature that helps you spot things like unexpected charges. It’s just one of the ways we’re looking out for your money.

Get updates with real-time alerts.

Real-time alerts let you know about things like suspicious card activity or fraud attempts, and confirm when you’ve updated your account information.

Gold Card Benefits

Everyday Benefits

  • Price Protection Service
  • Purchase Assurance
  • Extended Warranty

Travel Benefits

  • Common Carrier Travel Accident Insurance
  • Car Rental Collision/Loss Damage Waiver
  • Baggage Delay
  • Travel Assistance
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Mastercard Benefits

Mastercard Global Service

If your card is lost or stolen, this service provides emergency card replacement, emergency cash advance, 24/7 telephone access and referral to the closest ABM.

Zero Liability

If you’re worried about unauthorized charges being made to your account, relax. As a Capital One cardholder, you’re protected. We provide Zero Liability for unauthorized use of your card. That means you won’t pay for any unauthorized purchases on your card.