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Citi Secured Mastercard vs Discover it 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: Discover it Secured leads by 21.0 pts. Scores: Citi Secured Mastercard 38.1%, Discover it Secured 59.1%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Citi Secured Mastercard nets $0/yr, Discover it Secured nets $230/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeMastercard: 10.0 · Secured: 10.0
• Rewards rateMastercard: 0.0 · Secured: 6.0
• Sign-up bonusMastercard: 0.0 · Secured: n/a
• Intro 0% APRMastercard: 0.0 · Secured: 0.0
• Regular APRMastercard: 5.7 · Secured: 5.4
• 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)APR 25.99% variableRewards 0% baseCredit no credit score, ≤619, 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · Penalty APR up to 29.99% · Late fee up to $41

• Discover it Secured59.1%
  Discover (Capital One) · secured
  Annual fee $0APR 26.49% variableRewards 5% rotating quarterly categories (activation, quarterly max); 1% other; first-year Cashback MatchCredit No credit score required to apply

  ⚠ Late fee up to $41 · Rotating 5% quarterly categories need activation and change each quarter; not modeled (we count the 1% base).

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 Discover it Secured?

On VaultRubric's rubric: Discover it 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.