Starter card
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Showing 1 review mentioning good rate Show all
Reddit · r/CreditCards · Mar 25, 2026
MixedSummary of a Reddit post
They have kept the Platinum Secured, their first card, for about 11 years for the credit history. It was upgraded to a Quicksilver One with a military-benefit low APR and no fees, but the limit remains low.
Of the 29 reviews with a clear verdict, 52% are positive, 31% mixed and 17% negative. The praise mentioned most is easy to use.
The praise reviewers mention most: easy to use (1 review), good rate (1 review) and low fees (1 review). For example: They report that after being approved for the Platinum Secured, the card showed up in the Capital One app instantly, so it could be used virtually before the physical card arrived.
It's how well reviewed Capital One Platinum Secured is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Starter card. Type: Secured credit card. Fees: $0 annual fee. Minimum: $49, $99 or $200 minimum refundable deposit.
29 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.