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Discover it 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: Discover it Secured leads by 11.4 pts. Scores: Discover it Secured 59.1%, Capital One Platinum Secured 47.7%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Discover it Secured nets $230/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: 6.0 · Secured: 0.0
Sign-up bonusSecured: n/a · Secured: 0.0
Intro 0% APRSecured: 0.0 · Secured: 0.0
Regular APRSecured: 5.4 · Secured: 3.4
Foreign transaction feeSecured: 10.0 · Secured: 10.0
Regulatory record (CFPB)Secured: 10.0 · Secured: 10.0

Discover it Secured

IssuerDiscover (Capital One)
Typesecured
Annual fee$0 discover.com, 2026-10-11
Regular purchase APR26.49% variable discover.com, 2026-10-11
Rewards5% rotating quarterly categories (activation, quarterly max); 1% other; first-year Cashback Match discover.com, 2026-10-11
Sign-up bonus (≈$)not found discover.com, 2026-10-11
Intro APRnone No intro purchase APR in the pricing schedule discover.com, 2026-10-11
Foreign transaction feenone Pricing schedule (03/31/26) lists no foreign transaction fee discover.com, 2026-10-11
Penalty APRnone Discover agreement table: 'Penalty APR None' files.consumerfinance.gov, 2026-06-30
Late feeup to $41 up to; $0.00 for first occurrence; $30.00 if not charged a late fee within last six billing cycles; $41.00 otherwise files.consumerfinance.gov, 2025-12-31
Balance transfer fee3% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededNo credit score required to apply discover.com, 2026-10-11
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)26.74%–27.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Capital One Platinum Secured

IssuerCapital One
Typesecured
Annual fee$0 capitalone.com, 2026-10-11
Regular purchase APR29.24% variable capitalone.com, 2026-10-11
RewardsNo rewards program capitalone.com, 2026-10-11
Sign-up bonus (≈$)$0 No sign-up bonus; refundable deposit $49, $99 or $200 capitalone.com, 2026-10-11
Intro APRnone No intro APR offer shown capitalone.com, 2026-10-11
Foreign transaction feenone capitalone.com, 2026-10-11
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feeup to $40 up to; Up to $29.00 for first late fee. files.consumerfinance.gov, 2025-12-31
Balance transfer feenot found files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededRebuilding capitalone.com, 2026-10-11
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.74% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)29.49%–29.74% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

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).
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, Discover it Secured or Capital One Platinum 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.