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How to Get the Capital One Secured Mastercard Using Your ITIN
Capital One offers the lowest deposit secured card — as little as $49 for a $200 credit limit. ITIN acceptance varies, but many holders have been approved. Here is how.
What You Need
- ITIN number
- Valid photo ID (passport or state ID)
- US address
- Income information (annual income, employment)
- Deposit: $49, $99, or $200 (Capital One decides based on your profile)
Step-by-Step: Online Application
Step 1: Pre-Qualify at CapitalOne.com
Go to Capital One’s website and click “See if you’re pre-qualified.” This is a soft pull — no impact on your credit. Enter your ITIN where it asks for SSN.
Step 2: Check Your Offer
If pre-qualified, Capital One will show you your deposit amount:
- $49 deposit → $200 credit limit (best case)
- $99 deposit → $200 credit limit
- $200 deposit → $200 credit limit
Step 3: Complete Application
Fill in your personal details, income, and submit. If approved, your card ships immediately.
Step 4: Pay Your Deposit
Pay the deposit within 80 days of approval. Your card is activated once deposit is received.
If Denied Online: Try In-Branch
Some ITIN holders get denied online but approved in-branch. If your online application is rejected:
- Find a Capital One branch or café near you
- Bring your ITIN letter, passport, and proof of address
- A banker can manually process the application
- In-branch approvals often succeed where online fails
Key Facts
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Deposit | $49 – $200 (assigned by Capital One) |
| Credit Limit | $200 (increases possible after 6 months) |
| Credit Check | Yes (hard pull on full application) |
| Reports To | All 3 bureaus |
| ITIN Accepted | Online + In-branch |
| Auto-Upgrade | Automatic review, deposit returned |
Why Capital One Is Worth Trying
- Lowest deposit possible: $49 vs $200+ at other banks
- $0 annual fee: No yearly cost
- Automatic upgrade path: Becomes unsecured card, deposit refunded
- Credit limit increases: Can increase after 6 months of good use
- Capital One app: CreditWise shows your free score
After Approval: First Steps
- Activate card when it arrives
- Set up autopay for full balance
- Use for ONE small recurring purchase ($10-$15/month)
- Keep utilization under 10% ($20 max on $200 limit)
- After 6 months, request credit limit increase
→ Compare all ITIN credit cards
→ Full credit building roadmap
📌 Ready to Apply?
Visit CapitalOne.com and check if you’re pre-qualified (soft pull, no score impact).