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Apple Card vs Discover it Secured Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Apple CardApple / Goldman Sachs | Discover it Secured Credit CardDiscover |
|---|---|---|
| Rating | 3.8/5 | 4.1/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 27.74% | 26.49% |
| Signup Bonus | None | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year |
| Rewards Rate | 3% Daily Cash on Apple purchases and select merchants, 2% on Apple Pay purchases, 1% on everything else | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else |
| Credit Score | good | poor |
| Pros | No fees at all — no annual fee, foreign transaction fee, or late fees 3% back at Apple and select partners like Uber, Walgreens, and Nike Daily Cash deposited to Apple Cash immediately | Earn cash back rewards even while building credit — rare for a secured card Cashback Match doubles all rewards in year one No annual fee and automatic review for upgrade to unsecured card |
| Cons | No signup bonus Only 1% with physical card (2% requires Apple Pay) Limited to Apple ecosystem for best experience | Requires refundable security deposit ($200 minimum) High 26.49% APR Discover not accepted as widely as Visa/Mastercard |
| View Details → | View Details → |
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Verdict
Our Pick: Discover it Secured Credit Card
With a 4.1/5 rating, the Discover it Secured Credit Card edges out the Apple Card (3.8/5). No annual fee makes it easy to justify. The Discover it Secured is the best card for building or rebuilding credit. Unlike most secured cards, it earns real cash back rewards with a first-year Cashback Match, plus no annual fee and automatic upgrade reviews.