Capital One Platinum Secured vs Freedom Unlimited
Capital One Platinum Secured
$0/yr
6.5/10
VS
Freedom Unlimited
$0/yr
7.5/10
Quick Answer
Capital One Platinum Secured charges no annual fee with 1X base rewards. Freedom Unlimited charges no annual fee with 2X base rewards. Freedom Unlimited offers better overall value for most spenders 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
Freedom Unlimited
4 earning categories
Benefits & Protection
Freedom Unlimited
7 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Freedom Unlimited edges ahead
Better rewards and benefits at the same fee level.
Apply for Freedom UnlimitedPREMIUM 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
Freedom Unlimited
| Chase Travel purchases | 5.0X |
| Dining including takeout and delivery | 3.0X |
| Drugstore purchases | 3.0X |
| Everything else | 1.5X |
Card Benefits: Detailed Comparison
Capital One Platinum Secured (0 benefits)
No benefits data available
Freedom Unlimited (7 benefits)
- Trip Cancellation/Interruption Insurance (up to $1,500)
- Auto Rental Collision Damage Waiver
- Auto Rental Coverage (Secondary)
- Purchase Protection (up to $500)
- Extended Warranty Protection
- Cell Phone Protection (up to $800)
- Travel Accident Insurance (up to $500,000)
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