Bank of America® Travel Rewards credit card vs. Discover it® Secured Credit Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America® Travel Rewards credit card
Bank of America
4.2
1.5x points on all purchases. No annual fee. No foreign transaction fee.
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
Bank of America® Travel Rewards credit 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
Bank of America®
Discover it® Secured
Annual Fee
$0
$0
Sign-up Bonus
25,000 points
Cashback Match
Rewards Rate
1.5x
1%-2%
Rewards Type
Points
Cash Back
0% Intro APR
0% for 15 billing cycles
N/A
Regular APR
19.24%-27.24% Variable Best
28.24% Variable
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
300-669
Bank of America® Travel Rewards credit card
Pros
- 1.5x on all purchases with no annual fee
- No foreign transaction fee
- 0% intro APR for 15 billing cycles
Cons
- Lower earning rate than premium travel cards
- Points only redeem as travel statement credits
Discover it® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
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