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Discover it Secured Credit Card vs Amazon Prime Visa
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Discover it Secured Credit CardDiscover | Amazon Prime VisaChase |
|---|---|---|
| Rating | 4.1/5 | 4.4/5 |
| Annual Fee | $0 | $0 |
| APR | 26.49% | 18.74% - 27.49% |
| Signup Bonus | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year | $200 Amazon Gift Card upon approval |
| Rewards Rate | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else | 5% at Amazon.com, Amazon Fresh, and Whole Foods Market, 5% on Chase Travel, 2% at restaurants, gas stations, and transit, 1% 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 | 5% back at Amazon, Amazon Fresh, and Whole Foods with no annual fee 5% on Chase Travel purchases No foreign transaction fees |
| Cons | Requires refundable security deposit ($200 minimum) High 26.49% APR Discover not accepted as widely as Visa/Mastercard | Requires active Amazon Prime membership ($139/year) Only 1% on most non-category purchases Rewards are most valuable within Amazon ecosystem |
| View Details → | View Details → |
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Verdict
Our Pick: Amazon Prime Visa
With a 4.4/5 rating, the Amazon Prime Visa edges out the Discover it Secured Credit Card (4.1/5). No annual fee makes it easy to justify. The Amazon Prime Visa is a must-have for Prime members. 5% back at Amazon and Whole Foods with no annual card fee makes it the best way to save on purchases you're already making. Just factor in the $139/year Prime membership as the real cost.