Compare options
Different cards.
Different mechanics.
A side-by-side comparison of how common card types work.
| What matters | Credit | Secured credit | Debit |
|---|---|---|---|
| Where funds come from | A credit line | A credit line backed by collateral | A linked account |
| Deposit as collateral | Generally not required | Required by the product | Not a credit security deposit |
| Monthly credit bill | Yes | Yes — the deposit is separate | Generally no credit card bill |
| Terms to compare | APR, fees, grace period | Deposit, APR, fees, refund rules | Account, ATM and overdraft terms |
This compares funding models, not specific offers. Costs, protections and eligibility depend on the product and transaction.
Read the credit vs. debit guide ↗Compare the initial card catalog.
These cards serve different needs. Compare the funding model before comparing rewards.
| Card | Annual fee | Purchase APR | Deposit |
|---|---|---|---|
| Avant Credit Card — direct website offer | $0–$75, determined by the direct offer | 35.99% fixed for the direct website offer | No security deposit |
| Capital One Platinum Secured | $0 | 29.24% variable | $49, $99 or $200 minimum refundable deposit; initial line at least $200 |
| Chase Freedom Unlimited® | $0 | 18.49%–27.99% variable after introductory period | No security deposit; unsecured credit card |
| Discover it® Secured Cash Back | $0 | 29.24% variable | $49, $99 or $200 based on creditworthiness; credit lines start at $200 |
| First Progress Prestige Mastercard® Secured | $49 | 13.74% variable | $200 minimum, held in a non-interest-bearing deposit account |
| Navy Federal cashRewards Secured | $0 | 18.00% variable | $200–$5,000 held in the membership savings account; starting limit equals deposit |