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Discover it Miles vs Discover it Secured Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Discover it MilesDiscover | Discover it Secured Credit CardDiscover |
|---|---|---|
| Rating | 4.2/5 | 4.1/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 26.49% | 26.49% |
| Signup Bonus | Unlimited Mile-for-Mile match for all miles earned in first year | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year |
| Rewards Rate | 1.5X miles on every purchase | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else |
| Credit Score | good | poor |
| Pros | First-year Miles Match doubles all rewards to effectively 3X $0 annual fee and no foreign transaction fees 0% intro APR for 15 months on purchases and balance transfers | 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 | 1.5X base rate is average after first year Discover not accepted as widely internationally No transfer partners or premium travel perks | 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 Miles
With a 4.2/5 rating, the Discover it Miles edges out the Discover it Secured Credit Card (4.1/5). No annual fee makes it easy to justify. The Discover it Miles is a simple, no-fee travel card that shines in year one thanks to the Miles Match. Earn effectively 3X on everything for 12 months, then a solid 1.5X ongoing. Great for new cardholders who want travel flexibility.