Capital One Guaranteed Secured Mastercard – Full Details
The previous page explained why Capital One Guaranteed Secured works as a low-deposit credit-building card in Canada. This page covers eligibility, applying, and Capital One Canada’s support channels.
Additional benefits
Free authorized users
Adding additional cardholders does not add a fee, useful for a household building credit together.
Low deposit floor
At $75, the minimum deposit is lower than many secured cards available in Canada, lowering the barrier to opening the account.
Eligibility requirements
This card is designed for applicants with limited or damaged credit history in Canada, with approval centered on the ability to fund the chosen deposit.
We recommend confirming current eligibility details directly on Capital One Canada’s official page.
Required documentation
- Government-issued identification
- Social Insurance Number
- Proof of income
- Current residential address
How to apply
Step by step
- 1. Apply online through Capital One Canada’s official secured card page.
- 2. Choose and fund a deposit starting at $75.
- 3. Receive the card by mail once approved.
- 4. Activate the card and begin using it.
- 5. Make on-time payments to build a positive credit history.
Official contact
For account or application questions, use Capital One Canada’s official support lines.
Support channels
- Capital One Canada customer service: 1-800-481-3239
- Credit card inquiries: 1-877-277-5901
Other common questions
Is the deposit refundable?
Yes, generally when the account is closed in good standing, consistent with standard secured card practice; confirm specifics with Capital One.
Can my credit line increase over time?
Policies on credit line reviews should be confirmed directly with Capital One Canada, as terms can differ from the equivalent US product.
Does this card work outside Canada?
Yes, it runs on the Mastercard network, widely accepted internationally; confirm any foreign transaction terms on the official page.
Is Guaranteed Secured good in practice?
As a low-deposit entry point for building credit in Canada, it does its job well, with the province-based APR as the main number to watch if a balance is ever carried.
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