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Capital One SavorOne Cash Rewards vs Discover it Secured Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One SavorOne Cash RewardsCapital One | Discover it Secured Credit CardDiscover |
|---|---|---|
| Rating | 4.1/5 | 4.1/5 |
| Annual Fee | $39 | $0 |
| APR | 18.49% - 28.49% | 26.49% |
| Signup Bonus | None | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year |
| Rewards Rate | 3% on dining, entertainment, grocery stores, and popular streaming, 5% on hotels and rental cars via Capital One Travel, 1% on everything else | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else |
| Credit Score | good | poor |
| Pros | 3% on dining, entertainment, groceries, and streaming 5% on hotels and rental cars via Capital One Travel No foreign transaction fees | 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 | $39 annual fee (the Savor at $0 may be better for some) No signup bonus Only 1% on non-category purchases | 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: Capital One SavorOne Cash Rewards
Both cards tie at 4.1/5, but At $39/yr, the value proposition is strong. The SavorOne offers the same 3% categories as the Savor but with a $39 annual fee and 5% on Capital One Travel hotels. A decent option if you want the travel portal boost.