Capital One Platinum Secured vs. Blue Cash Preferred® Card from American Express
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Platinum Secured
Capital One
4.2
Secured card with flexible deposit. Consider for credit building.
Full review →
Blue Cash Preferred® Card from American Express
American Express
4.6
6% at U.S. supermarkets (up to $6k/yr). 6% on select streaming.
Full review →WealthSpott Verdict
Capital One Platinum Secured wins on more measurable categories — particularly annual cost. Blue Cash Preferred® Card from American Express may still win for your wallet depending on how you spend.
Feature
Capital One Platinum
Blue Cash Preferred®
Annual Fee
$0 Best
$95/yr
Sign-up Bonus
None
$350
Rewards Rate
0%
1%-6%
Rewards Type
None
Cash Back
0% Intro APR
N/A
0% for 12 months
Regular APR
29.99% Variable
19.24%-29.99% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
300-669
670-850
Capital One Platinum Secured
Blue Cash Preferred® Card from American Express
Pros
- 6% back at U.S. supermarkets (up to $6k/year)
- 6% on select streaming subscriptions
- $0 intro annual fee for first year
Cons
- $95 annual fee after first year
- 6% grocery bonus caps at $6,000/year
- Foreign transaction fee
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