High APR
Capital One Secured MasterCard vs Citi Secured MasterCard
Minimum CreditDataData
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| Card Name | Capital One Secured MasterCard | Citi Secured MasterCard |
| Card Issuer | Capital One | Citi |
| Network | MasterCard | MasterCard |
| Card Category | secured credit cards | secured credit cards |
| Credit Limit | $2,00-$3,000 | $2,00-$5,000,credit card limit becomes equal to the amount of money in your deposit |
| Reward | None | None |
Card Detail
| Minimum Credit | Poor | Poor |
|---|---|---|
| Purchase APR | 22.9% | 18.24%(V) |
| Balance Transfer APR | 22.9% | |
| Balance Transfer Fee | None | |
FEES And Charge
| Annual Fee | $29 | $29 |
|---|---|---|
| Cash Advance APR | 24.9% | |
| Cash Advance Fee | Either $10 or 3% of the amount of each cash advance, whichever is greater. | |
| Late Payment Fee | Up to $19 | |
| Returned Payment Fee | Up to $35 | |
| Grace Period | 25day |
Other Detail
| Car Rental Insurance | You’re automatically covered when you reserve and rent an eligible vehicle with your Citi® card and
decline the car rental company’s collision loss/damage waiver insurance.
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|---|---|---|
| Fraud Liability | Pay only for purchases which you have authorized on your MasterCard card. Unauthorized purchases are
not your responsibility.
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Zero Fraud Liability – You are not responsible for unauthorized transactions if your U.S. Bank Secur
ed Visa Card or account number is ever lost or stolen. If your card is lost or stolen, replacement cards can be sent within 48 hours.
Fraud Protection – Fraud Protection detects and notifies you of any unusual card activity to help prevent fraud. |
| Purchase Protection |
| pros | 1.Automatic reporting to credit bureaus. 2.Lower refundable deposit $49, $99 or $200 3.No balance transfer fees. 4.Free enrollment in CreditInform program. |
1.Get interest 2.After 18 months,become eligible for an unsecured Citi cards |
|---|---|---|
| cons |
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Security deposit required (minimum $200).
Not everyone qualifies |