Secured cards are a good way to get your credit back on the right track. The Capital One® Secured Mastercard® has no annual fee, and all the credit building benefits with responsible card use. Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus. Your minimum security deposit gets you a $200 credit line, and you may qualify for a credit line increase based on your payment history and creditworthiness with no additional deposit required. You can easily manage your account 24/7 with online access, by phone, or using our mobile app. It’s a credit card accepted at millions of locations worldwide, so no usage restrictions beyond your credit limit. Cash advance is 24.99% (variable).