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Citi Secured Mastercard 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.

Our score: Capital One Platinum Secured is ahead by 9.6 points. Scores: Citi Secured Mastercard 38.1%, Capital One Platinum Secured 47.7%.

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

Criterion scores (0–10)

• Annual feeMastercard: 10.0 · Secured: 10.0
• Rewards rateMastercard: 0.0 · Secured: 0.0
• Sign-up bonusMastercard: 0.0 · Secured: 0.0
• Intro 0% APRMastercard: 0.0 · Secured: 0.0
• Regular APRMastercard: 5.7 · Secured: 3.4
• Foreign transaction feeMastercard: 3.0 · Secured: 10.0
• Regulatory record (CFPB)Mastercard: 8.0 · Secured: 10.0

Downsides

• Citi Secured Mastercard38.1%
  Citi · secured
  Annual fee $0 (CFPB TCCP; issuer page did not render a clear fee)Interest rate (APR) 25.99% variableRewards 0% baseCredit no credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · Penalty interest rate (APR) up to 29.99% · Late fee up to $41

• Capital One Platinum Secured47.7%
  Capital One · secured
  Annual fee $0Interest rate (APR) 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, Citi Secured Mastercard 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.