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. 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. You will get an initial $200 credit line after making a security deposit of $49, $99, or $200. Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed. 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.