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Discover it Secured Credit Card vs IHG One Rewards Premier Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Discover it Secured Credit CardDiscover | IHG One Rewards Premier Credit CardChase |
|---|---|---|
| Rating | 4.1/5 | 4.2/5 |
| Annual Fee | $0 | $99 |
| APR | 26.49% | 19.49% - 27.99% |
| Signup Bonus | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year | 175,000 bonus points after spending $5,000 in 3 months (limited-time) |
| Rewards Rate | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else | 26X at IHG hotels, 5X on travel/dining/gas, 3X on everything else |
| Credit Score | poor | good |
| Pros | 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 | 26X at IHG hotels and 5X on travel, dining, and gas Free night award each anniversary (up to 40,000 points) Automatic IHG Platinum Elite status |
| Cons | Requires refundable security deposit ($200 minimum) High 26.49% APR Discover not accepted as widely as Visa/Mastercard | IHG points worth ~0.5cpp — need high volume for value $99 annual fee Best value only for frequent IHG guests |
| View Details → | View Details → |
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Verdict
Our Pick: IHG One Rewards Premier Credit Card
With a 4.2/5 rating, the IHG One Rewards Premier Credit Card edges out the Discover it Secured Credit Card (4.1/5). At $99/yr, the value proposition is strong. The IHG Premier is the best card for IHG loyalists. 26X at IHG properties, Platinum Elite status, and an anniversary free night that covers the $99 fee. The 175K limited-time bonus is exceptional value.