Capital One Platinum Secured
Advertised credit profile: Rebuilding Credit
Why it stands outBuild credit with responsible use Refundable deposits as low as $49 for a credit limit of at least $200.
Rewards focus: Secured
Annual fee$0
CitiSecured card
Citi Secured Mastercard
Free access to your FICO score online $0 liability on unauthorized purchases Choose your payment due date from available dates No Annual Fee
AT A GLANCE
Credit card overview
Card categories
- Secured
What you get
Rewards and benefits
How it earns
While the Citi ® Secured Mastercard ® card does not earn rewards, it does offer benefits such as no annual fee 1 , free access to your FICO ® Score and $0 liability on unauthorized charges. You can also earn money back in the form of statement credits through Merchant Offers.
- Free access to your FICO score online $0 liability on unauthorized purchases Choose your payment due date from available dates No Annual Fee
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$0
Advertised credit profileIssuer determines eligibility; no minimum score published in the reviewed source.
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Citi makes every lending decision.
- Annual fee and first-year pricing
- Annual Fee 1 . $0 liability on unauthorized charges
- Purchase APR
- The variable APR for purchases and balance transfers is %.
- Balance transfers and fees
- Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater.
- Cash advances and fees
- The variable APR for cash advances is %. The variable penalty APR is up to % and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge — $ . Annual Fee — . Fee for foreign purchases — % of the U.S. dollar amount of each purchase. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater.
- Foreign transaction fee
- Fee for foreign purchases — % of the U.S. dollar amount of each purchase.
- Late / returned payment fees
- The variable penalty APR is up to % and may be applied if you make a late payment or make a payment that is returned.
- Grace period
- Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
- Authorized users and fees
- No Authorized User fee
- Security deposit
- With a secured credit card,once you are approved,you'll provide a security deposit,between $200—$2,500.The credit limit on your new secured credit card will equal the amount of your security deposit. When you apply,you will select a security deposit between $200 and $2,500 in $100 increments.This deposit directly sets your credit limit (they are always equal) so choosing a higher deposit amount results in a correspondingly higher spending limit on your card.
- Card network
- Using your card anywhere Mastercard ® is accepted — worldwide
Recorded from Citi’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the Citi Secured Mastercard
- For credit building, check the security deposit, credit-bureau reporting and upgrade or refund policies.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
Keep comparing
Similar cards
Capital One Quicksilver Secured Rewards
Advertised credit profile: Fair Credit
Why it stands outEarn unlimited 1.5% cash back on every purchase, every day Quicksilver Secured from Capital One Earn 1.5% cash back, plus join the 2.4+ million customers who have increased…
Rewards focus: Cash back
Annual fee$0
Discover it® Secured Credit Card
Advertised credit profile: Limited, no, or rebuilding credit history
Why it stands outEarn 5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.
Rewards focus: Secured
Welcome offer
Unlimited Cashback MatchDiscover matches all the cash back earned in your first year, automatically; there is no stated maximum. No fixed dollar signup bonus is represented.
Annual fee$0