Head-to-head · sourced terms

Citi Double Cash vs Capital One Platinum Secured

These two cards suit different starting points. The Citi Double Cash is an unsecured, flat-rate cash-back card with no deposit; the Capital One Platinum Secured is a secured card that requires a refundable deposit and is designed to establish or rebuild credit. If you are not sure which you can qualify for, comparing them side by side helps.

Citi Double Cash vs Capital One Platinum Secured — side-by-side comparison of sourced card terms
Term	Citi Double Cash Card Accepting applications	Capital One Platinum Secured Credit Card Accepting applications
Annual fee	$0	$0
Purchase APR	17.49%–27.49% variable (as of July 2026)(medium confidence)Not machine-readable on Citi's page; triangulated from two reputable sources and the current Prime Rate. Confirm your exact APR with Citi.	28.99% variable (as of July 2026)(medium confidence)Capital One's live pricing disclosure is JS/PDF-gated; 28.99% is corroborated by two reputable sources. Secured cards carry a high APR — carry no balance while building. Confirm with Capital One.
Foreign-transaction fee	3% of each purchase in U.S. dollars	$0
Rewards	2% total — 1% when you buy, 1% as you pay	—
Security deposit	—	$49, $99, or $200 refundable deposit opens a $200 initial line; deposit more (whole $20 increments) to raise the initial line, up to a $1,000 maximum
Availability	Accepting applications	Accepting applications
Editorial rating	4.2 / 5	4.5 / 5
Est. interest carrying $3,000 for a year	$524.7–$824.7(medium confidence)Illustrative interest on a $3,000 balance carried for one year at the listed APR — not a quote. Your rate depends on creditworthiness; confirm with the issuer.	$869.7(medium confidence)Illustrative interest on a $3,000 balance carried for one year at the listed APR — not a quote. Your rate depends on creditworthiness; confirm with the issuer.

The bottom line

If your credit can qualify for an unsecured card, the Double Cash earns a flat 2% with no deposit and no annual fee — though it charges a 3% foreign-transaction fee and does nothing special to build credit. The Platinum Secured requires a refundable deposit (as low as $49 for a $200 line) and earns no rewards, but it is built for establishing credit and reports to all three bureaus. Both charge no annual fee. Approval depends on your credit profile — confirm terms with each issuer before applying.

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