Capital One Platinum Secured vs Customized Cash Rewards
Capital One Platinum Secured
$0/yr
6.5/10
VS
Customized Cash Rewards
$0/yr
7.0/10
Quick Answer
Capital One Platinum Secured charges no annual fee with 1X base rewards. Customized Cash Rewards charges no annual fee with 1X base rewards. Capital One Platinum Secured offers a slight edge depending on your spending when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Capital One Platinum Secured
Lower annual fee ($0 vs $0)
Rewards Earning
Customized Cash Rewards
3 earning categories
Benefits & Protection
Capital One Platinum Secured
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Customized Cash Rewards edges ahead
Better rewards and benefits at the same fee level.
Apply for Customized Cash RewardsPREMIUM PICK
Capital One Platinum Secured is a strong alternative
Competitive features make it worth considering.
Apply for Capital One Platinum SecuredRewards Earning: Detailed Comparison
Capital One Platinum Secured
No bonus categories data available
Customized Cash Rewards
| Choice category (gas, dining, travel, etc.) | 3.0X (up to $2,500) |
| Grocery stores & wholesale clubs | 2.0X (up to $2,500) |
| Everything else | 1.0X |
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