Capital One Platinum Secured vs. Citi Custom Cash® Card
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 →
WealthSpott Verdict
Capital One Platinum Secured and Citi Custom Cash® Card are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Capital One Platinum
Citi Custom Cash®
Annual Fee
$0
$0
Sign-up Bonus
None
$200
Rewards Rate
0%
1%-5%
Rewards Type
None
Cash Back
0% Intro APR
N/A
0% for 15 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
Citi Custom Cash® Card
Pros
- 5% on top category (up to $500/quarter)
- No annual fee
- Categories include gas, groceries, dining
Cons
- Only one category earns 5% per month
- Foreign transaction fee
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