New: Compare up to 3 cards side-by-side instantly Compare now →
Chase Sapphire Reserve vs Discover it Secured Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | Chase Sapphire ReserveChase | Discover it Secured Credit CardDiscover |
|---|---|---|
| Rating | 4.7/5 | 4.1/5 |
| Annual Fee | $795 | $0 |
| APR | 19.49% - 27.99% | 26.49% |
| Signup Bonus | 125,000 points after spending $6,000 in 3 months | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year |
| Rewards Rate | 8X on flights, hotels & car rentals via Chase Travel, 4X on flights & hotels booked direct, 3X on dining, 1X on everything else | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else |
| Credit Score | excellent | poor |
| Pros | Priority Pass lounge access and $300 annual travel credit 8X on flights, hotels & cars via Chase Travel, 4X booked direct Points worth 50% more when redeemed through Chase Travel | 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 | $795 annual fee is steep even with credits Travel credit only applies through Chase Travel portal Diminishing value if you don't travel frequently | Requires refundable security deposit ($200 minimum) High 26.49% APR Discover not accepted as widely as Visa/Mastercard |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: Chase Sapphire Reserve
With a 4.7/5 rating, the Chase Sapphire Reserve edges out the Discover it Secured Credit Card (4.1/5). At $795/yr, the value proposition is strong. The Chase Sapphire Reserve is a premium travel card built for frequent travelers. With 8X on travel through Chase Travel, 4X on flights and hotels booked direct, $300 in annual travel credits, and Priority Pass lounge access, it delivers serious value if you can put its perks to work.