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Citi® Secured Mastercard® vs Capital One® Secured Mastercard®

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Citi® Secured Mastercard®

Citi® Secured Mastercard®

Rates & Fees

Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.3 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • A no annual fee secured card
  • Growing your credit score and limit
Welcome offer
Welcome offer

N/A

N/A

Rewards
Rewards

N/A

N/A

Purchase APR
Purchase APR

22.49% variable

26.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

22.49% variable

26.99% variable

Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 26.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee 3% of each transaction None
Late payment fee
Late payment fee Up to $40 Up to $39
Additional cardholder fee
Additional cardholder fee
Interest-free period
Interest-free period 23 days 25 days
Minimum interest
Minimum interest $0.50 $0
Minimum credit score
Minimum credit score 580 580
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Citi® Secured Mastercard®

Citi® Secured Mastercard®

  • Build your credit history by using your card responsibly
  • Ideal for people who are new to credit or have limited credit history
  • Minimum security deposit of $200
  • No annual fee

Capital One® Secured Mastercard®

Capital One® Secured Mastercard®

  • You'll pay no annual fee to use this card.
  • Depending on your credit, you may pay a security deposit as low as $49 and still get a $200 credit limit.
  • Make your first 5 monthly payments on time and Capital One will raise your credit limit.

Compare credit cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
OpenSky® Secured Visa® Credit Card
Starting at $200
17.39% variable
$35
300
Apply for this card with no credit check if you're new to credit or have bad credit.
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Starting at $200
0% intro for the first 6 months (then 12.99% variable)
$49
300
A rare secured card with a 0% intro APR on purchases for 6 months, followed by 12.99% variable.
First Progress Platinum Elite MasterCard® Secured Credit Card
Starting at $200
19.99% variable
$29
300
Build your credit with all three major credit bureaus.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Starting at $200
9.99% fixed
$48
300
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.
Self Visa® Credit Card
Starting at $100
21.74% variable
$25
300
Build your credit with a low minimum security deposit of $100 and no credit score required.
First Progress Platinum Select MasterCard® Secured Credit Card
Starting at $200
13.99% variable
$39
300
No minimum credit score and no credit history required.
First Progress Platinum Prestige Mastercard® Secured Credit Card
Starting at $200
9.99% variable
$49
300
Build or rebuild your credit with this secured card.
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
300
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
PCB Secured Visa®
PCB Secured Visa®
Starting at $200
18.9% fixed
$39
300
Choose your initial deposit amount and credit limit from $200 to $1000
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Compare up to 4 providers

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