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BofA Customized Cash Rewards Secured vs Capital One Platinum Secured

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Capital One Platinum Secured leads by 4.3 pts. Scores: BofA Customized Cash Rewards Secured 43.4%, Capital One Platinum Secured 47.7%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): BofA Customized Cash Rewards Secured nets $362/yr, Capital One Platinum Secured nets $0/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeSecured: 10.0 · Secured: 10.0
• Rewards rateSecured: 5.0 · Secured: 0.0
• Sign-up bonusSecured: 0.0 · Secured: 0.0
• Intro 0% APRSecured: 0.0 · Secured: 0.0
• Regular APRSecured: 4.4 · Secured: 3.4
• Foreign transaction feeSecured: 3.0 · Secured: 10.0
• Regulatory record (CFPB)Secured: 8.0 · Secured: 10.0

Downsides

• BofA Customized Cash Rewards Secured43.4%
  Bank of America · secured
  Annual fee $0APR 27.49%–28.24% variableRewards 1% base; 2% groceries (to $10,000/yr); 3% choice of gas/online/dining/travelCredit ≤619, 620–719 (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 28.24% if you carry a balance · Penalty APR up to 29.99%

• Capital One Platinum Secured47.7%
  Capital One · secured
  Annual fee $0APR 29.24% variableRewards No rewards programCredit Rebuilding

  ⚠ APR up to 29.24% if you carry a balance · Late fee up to $40

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, BofA Customized Cash Rewards Secured or Capital One Platinum Secured?

On VaultRubric's rubric: Capital One Platinum Secured scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.