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Take control and build your credit with responsible use.

Guaranteed Secured Mastercard®


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Top features at a glance:

  • Guaranteed approval.
  • Establish or repair your credit.
  • Increase your credit limit up to a maximum of $2,500 – simply send in more security funds and we’ll increase your limit by the same amount.

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 or had a Capital One account that was not in good standing in the last year
  • You provide the necessary security funds – $75 or $300

How to get this Mastercard and start building credit.


Submit your completed application for the Guaranteed Secured Mastercard.

Provide Security Funds

Once you’re approved, provide the required security funds – these act as collateral and help show us you’re committed to using the card responsibly.

Build Credit

Build credit by making your payments on time and staying within your credit limit. Unlike a pre-paid card, we’ll report your credit card activity to the credit reporting agencies monthly.

Watch this quick video to learn more about the Secured Mastercard.

Ratings and Reviews

  • I love my Capital One credit card as it has allowed me to pave my way to a better credit score.

    Capital One Cardholder


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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 SureSwipeTM to securely access your account, anywhere.

Be notified of unexpected charges.

Second LookTM 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.

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.