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: Discover it Secured 59.1%, Citi Secured Mastercard 38.1%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Discover it Secured nets $230/yr, Citi Secured Mastercard nets $0/yr after annual fees. Use your own numbers →
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
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
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 Citi Secured Mastercard?
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.