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Discover it Secured Credit Card vs U.S. Bank Altitude Go Visa Signature
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Discover it Secured Credit CardDiscover | U.S. Bank Altitude Go Visa SignatureU.S. Bank |
|---|---|---|
| Rating | 4.1/5 | 4.3/5 |
| Annual Fee | $0 | $0 |
| APR | 26.49% | 17.49% - 27.49% |
| Signup Bonus | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year | 20,000 bonus points ($200 value) after spending $1,000 in 90 days |
| Rewards Rate | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else | 4X on dining (up to $2,000/quarter), 2X on grocery stores, gas stations/EV, and streaming, 1X 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 | 4X on dining with no annual fee is best-in-class for a free card 2X on groceries, gas, and streaming covers common spend 0% intro APR for 15 billing cycles on purchases and balance transfers |
| Cons | Requires refundable security deposit ($200 minimum) High 26.49% APR Discover not accepted as widely as Visa/Mastercard | $2,000 quarterly cap on 4X dining 20,000-point bonus is modest compared to competitors Limited to U.S. Bank customers for best redemption value |
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Verdict
Our Pick: U.S. Bank Altitude Go Visa Signature
With a 4.3/5 rating, the U.S. Bank Altitude Go Visa Signature edges out the Discover it Secured Credit Card (4.1/5). No annual fee makes it easy to justify. The Altitude Go delivers 4X on dining with no annual fee — one of the best free dining rates available. Add 2X on groceries, gas, and streaming, and it's a strong daily driver.