American Express® Business Gold Card vs. Discover it® Secured Credit Card
Side-by-side comparison · Updated 2026 · Independently reviewed
American Express® Business Gold Card
American Express
4.4
4x on top 2 spending categories. 100,000-point bonus.
Full review →
Discover it® Secured Credit Card
Discover
4.5
Secured card that earns 2% at gas and restaurants (up to $1,000/quarter). Cashback Match year one.
Full review →WealthSpott Verdict
American Express® Business Gold Card wins on more measurable categories — particularly annual cost. Discover it® Secured Credit Card may still win for your wallet depending on how you spend.
Feature
American Express® Business
Discover it® Secured
Annual Fee
$375/yr
$0 Best
Sign-up Bonus
100,000 points
Cashback Match
Rewards Rate
1x-4x
1%-2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
N/A
Regular APR
19.49%-27.49% Variable Best
28.24% Variable
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
300-669
American Express® Business Gold Card
Pros
- 4x on top two business spending categories
- Points transfer to 20+ airline/hotel partners
- 100,000-point sign-up bonus
Cons
- $375 annual fee
- $150k annual cap on 4x categories
- $10,000 minimum spend for bonus
Discover it® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
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