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Discover it Secured Credit Card vs U.S. Bank Smartly 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 Smartly Visa SignatureU.S. Bank |
|---|---|---|
| Rating | 4.1/5 | 4.2/5 |
| 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 | None publicly listed |
| Rewards Rate | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else | 2% cash back on every purchase, up to 4% with qualifying U.S. Bank Smartly Savings balance |
| 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 | 2% unlimited cash back with no annual fee — matches Citi Double Cash Up to 4% back with qualifying U.S. Bank Smartly Savings balance 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 | Best rates (3-4%) require U.S. Bank banking relationship with large balances No signup bonus publicly listed Limited to U.S. Bank ecosystem for maximum value |
| View Details → | View Details → |
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Verdict
Our Pick: U.S. Bank Smartly Visa Signature
With a 4.2/5 rating, the U.S. Bank Smartly Visa Signature edges out the Discover it Secured Credit Card (4.1/5). No annual fee makes it easy to justify. The U.S. Bank Smartly Visa is a flat 2% cash back card that can scale to 4% if you park savings at U.S. Bank. No annual fee and a 0% intro APR make it competitive with the Citi Double Cash and Wells Fargo Active Cash.