Capital One Platinum Secured
Accepts ITIN
- APR
- 29.24% variable
- Annual fee
- $0
- Deposit
- $49 / $99 / $200
Apply now
on the Capital One website
on the Capital One website
Best secured credit cards for no credit history
Your first credit card in the US with no credit history: 14 secured cards. Places are set by points: ITIN, minimum deposit, annual fee, APR, reporting to all 3 credit bureaus, path to a regular card.
| # | Name | ITIN | Minimum deposit | Annual fee | APR | Reports to | Score |
|---|---|---|---|---|---|---|---|
| 1 | Capital One Platinum Secured | ✓ | $49 / $99 / $200 | $0 | 29.24% variable | All 3 bureaus | 77 |
| 2 | Capital One Quicksilver Secured | ✓ | From $200 | $0 | 29.24% variable | All 3 bureaus | 74 |
| 3 |  Varo Believe Card | ? | No minimum | $0 | No interest | All 3 bureaus | 73 |
| 4 |  Discover it Secured Credit Card | ? | $49 / $99 / $200 | $0 | 29.24% variable | All 3 bureaus | 70 |
| 5 |  Chime Card | ✕ | No minimum | $0 | 0% | All 3 bureaus | 70 |
| 6 |  Bank of America Customized Cash Rewards Secured | ? | $200-$5,000 | $0 | 27.74% variable | - | 54 |
| 7 | Bank of America Unlimited Cash Rewards Secured | ? | $200-$5,000 | $0 | 27.74% variable | - | 54 |
| 8 |  Navy Federal cashRewards Secured Credit Card | ✕ | $200-$5,000 | $0 | 18.00% variable | - | 52 |
| 9 | BankAmericard Secured | ? | $200-$5,000 | $0 | 26.24% variable | - | 51 |
| 10 | Truist Enjoy Cash Secured Visa | ? | Equal to your limit | $0 | 26.99% variable | 3 bureaus | 48 |
| 11 |  TD Cash Secured Credit Card | ? | $300-$5,000 | $29 | 26.74% variable | All 3 bureaus | 45 |
| 12 |  Current Build Card | ✕ | - | $0 | - | Equifax, Experian, TransUnion | 45 |
| 13 | Regions Explore Visa Credit Card | ? | From $250 | $29 | 26.74% variable | - | 24 |
| 14 |  Neighborhood Trust FCU Community Card (share-secured) | ✓ | - | $25 | From 9.50% | - | 21 |
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Current Build Card
No annual fee, no interest
- Reports to
- Equifax, Experian, TransUnion
- Annual fee
- $0
- Account
- Current account required
Open accounton the Current website
on the Current website
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How the places are set
Up to 100 points. ITIN instead of an SSN - up to 20: accepts an ITIN 20, no data 8, SSN required 0.
Minimum deposit - up to 20: no minimum 20, $49 18, up to $100 14, up to $200 10, up to $300 6, not published 0. No annual fee - 15.
APR - up to 15: no interest 15, up to 15% 13, up to 20% 11, up to 26.5% 7, up to 28% 5, up to 30% 3; only a starting rate published 0.
Reports to all 3 credit bureaus (Equifax, Experian, TransUnion) - 10. Path to a regular card: with a time frame 10, without one 6, no data or not for non-citizens 0. Cash back - 5. Open to any US resident - 5, only to credit union members or the military - 1.
No data - 0 points. With equal points, the one with more points for documents goes first.
Not included: cards without a published APR (U.S. Bank, Citi Secured), a card that needs a credit history (Latino Community CU), Yendo (your car is the collateral), the Self Visa (no published APR) and the Majority secured card (only on the paid Plus plan, $6.99 every 30 days), and OpenSky, First Progress, Credit One, Mission Lane, KeyBank and Self-Help (not enough data).
Data as of November 7, 2026.
Questions people ask
Can I get a secured credit card with no credit history?
Yes. That is what secured cards are for: the deposit backs your credit line, so the bank does not need a long history. Your payments go to the credit bureaus and build your first score.
Can I get a secured card with an ITIN?
Yes. The Capital One secured cards accept an ITIN, and so does the Community Card from Neighborhood Trust FCU.