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Chase Ink Business Preferred vs Discover it Secured Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Ink Business PreferredChase | Discover it Secured Credit CardDiscover |
|---|---|---|
| Rating | 4.7/5 | 4.1/5 |
| Annual Fee | $95 | $0 |
| APR | 17.74% - 26.74% | 26.49% |
| Signup Bonus | 100,000 points after spending $8,000 in 3 months | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year |
| Rewards Rate | 3X on first $150K/yr in travel, shipping, internet/cable/phone, advertising with social media and search engines, 1X on everything else | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else |
| Credit Score | good | poor |
| Pros | 100,000-point bonus worth $1,250+ in travel via Chase portal 3X on travel, shipping, internet, phone, and online advertising Points transfer to same 14+ partners as Sapphire cards | 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 | $8,000 spend in 3 months is a high threshold for the bonus 3X categories are business-specific, not everyday spend No 0% intro APR offer | 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: Chase Ink Business Preferred
With a 4.7/5 rating, the Chase Ink Business Preferred edges out the Discover it Secured Credit Card (4.1/5). At $95/yr, the value proposition is strong. The Ink Business Preferred is the best business card for earning Ultimate Rewards points. 100K bonus, 3X on key business categories, and full access to Chase transfer partners.