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Discover it Secured Credit Card vs Marriott Bonvoy Boundless
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Discover it Secured Credit CardDiscover | Marriott Bonvoy BoundlessChase |
|---|---|---|
| Rating | 4.1/5 | 4.3/5 |
| Annual Fee | $0 | $95 |
| APR | 26.49% | 19.49% - 27.99% |
| Signup Bonus | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year | 3 Free Night Awards (each up to 50,000 points) after spending $3,000 in 3 months |
| Rewards Rate | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else | 6X at Marriott hotels, 3X on dining and groceries, 2X 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 | 3 free night awards worth up to $750+ at signup Free night award each cardmember anniversary (up to 35K points) Automatic Silver Elite status with 15 qualifying night credits |
| Cons | Requires refundable security deposit ($200 minimum) High 26.49% APR Discover not accepted as widely as Visa/Mastercard | Marriott points worth ~0.8cpp — less valuable than Hyatt 6X at Marriott is strong but 2X base is average $95 annual fee |
| View Details → | View Details → |
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Verdict
Our Pick: Marriott Bonvoy Boundless
With a 4.3/5 rating, the Marriott Bonvoy Boundless edges out the Discover it Secured Credit Card (4.1/5). At $95/yr, the value proposition is strong. The Marriott Boundless is the best entry-level hotel card for Marriott loyalists. 3 free nights at signup, an anniversary free night, and Silver Elite status make the $95 fee easy to justify.