Capital One Secured Mastercard with ITIN: Does It Work? (2026)

Does Capital One Secured Accept ITIN?

✅ Verdict

Yes, the Capital One Secured Mastercard accepts ITIN. This is a secured card — you deposit $49, $99, or $200 as a security deposit (depending on your credit profile) and receive a $200 credit limit to start. It reports to all three major bureaus (Equifax, Experian, TransUnion), which is exactly what you need when building credit from zero. After 6–7 months of on-time payments, Capital One automatically reviews your account for a credit limit increase.

How to apply

Capital One allows ITIN holders to apply online. Select "Individual Taxpayer Identification Number (ITIN)" when the application asks for your tax ID type. You do not need to go to a branch.

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Card Details

Annual Fee	$0
Security Deposit	$49, $99, or $200
Starting Credit Limit	$200
APR	29.99% variable
Reports to Bureaus	Equifax, Experian, TransUnion
Upgrade Path	Automatic review after 6 months

What You'll Need

Your ITIN (not your SSN — select ITIN in the application)
U.S. address (billing address)
Income information (employment, self-employment, or other regular income)
Bank account for the security deposit payment

How to Apply — Step by Step

1Go to the Capital One Secured Mastercard application page.
2When prompted for a Social Security Number, look for the option to enter an ITIN instead. Select "Individual Taxpayer Identification Number."
3Enter your ITIN, name, date of birth, and U.S. address.
4Enter your income information. Capital One considers your full household income.
5Capital One will tell you your required deposit amount: $49, $99, or $200.
6Pay the deposit by debit card or bank transfer. Your card ships within 7–10 business days.
7Activate the card and set up AutoPay to never miss a payment.

💡 The deposit is not a fee

Your security deposit is refundable. When you close the account or graduate to an unsecured card, Capital One returns your deposit. It is collateral, not a charge.

⚠ Keep utilization low

With a $200 limit, even spending $100 puts you at 50% utilization — which hurts your score. Keep your monthly balance under $60 (30% of $200) and pay in full every month.

Frequently Asked Questions

Can I apply for Capital One Secured with an ITIN online? +

Yes. Capital One is one of the few major credit card issuers that accepts ITIN applications online. Select "Individual Taxpayer Identification Number (ITIN)" when the application asks for your tax ID.

How much is the security deposit for Capital One Secured? +

Capital One requires a deposit of $49, $99, or $200 depending on your credit profile. In all cases, your starting credit limit is $200. The deposit is fully refundable when you close or upgrade the account.

How long until Capital One reviews me for a credit limit increase? +

Capital One typically does an automatic account review after 6 months of on-time payments. If you qualify, they may increase your limit without requiring an additional deposit.

Does Capital One Secured report to all three credit bureaus? +

Yes. Capital One reports to Equifax, Experian, and TransUnion every month. This is important for building a complete credit history across all bureaus.

Can I graduate from Capital One Secured to an unsecured card? +

Yes. After demonstrating responsible use — paying on time, keeping balances low — Capital One may upgrade you to an unsecured card and return your security deposit. This typically happens after 12–18 months.

Browse All ITIN Credit Cards

Compare the four cards ITIN holders can get:

Capital One Secured Discover it Secured Chase Freedom Unlimited Amex Blue Cash

For a full side-by-side comparison, see the best credit cards for ITIN holders guide →