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Chase Sapphire 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 Sapphire PreferredChase | Discover it Secured Credit CardDiscover |
|---|---|---|
| Rating | 4.8/5 | 4.1/5 |
| Annual Fee | $95 | $0 |
| APR | 19.24% - 27.49% | 26.49% |
| Signup Bonus | 75,000 points after spending $5,000 in 3 months | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year |
| Rewards Rate | 5X on Chase Travel, 3X on dining & streaming & online groceries, 2X on travel, 1X on everything else | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else |
| Credit Score | good | poor |
| Pros | 5X on Chase Travel and 3X on dining, streaming, and online groceries 10% anniversary bonus points on prior year's spend 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 | $95 annual fee No airport lounge access Limited premium perks vs. Reserve | 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 Sapphire Preferred
With a 4.8/5 rating, the Chase Sapphire Preferred edges out the Discover it Secured Credit Card (4.1/5). At $95/yr, the value proposition is strong. The Chase Sapphire Preferred is the gold standard for everyday travel rewards. With flexible Ultimate Rewards points that transfer to 14+ airline and hotel partners, it's the card that started the travel rewards revolution.