Before committing to an unsecured card loaded with program and monthly fees, consider how it stacks up against traditional secured credit cards.
Total Visa vs. Secured Cards
| Feature | Total Visa Card | Capital One Platinum Secured |
|---|---|---|
| Security Deposit | $0 (Unsecured) | Min. $49 Refundable |
| One-Time Fee | $95 Program Fee | $0 |
| Annual Fee | $50 – $125 (1st yr) | $0 |
| Regular APR | 35.99% Fixed | 29.74% Variable |
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