Chase Sapphire Preferred® Card vs. Discover it® Secured Credit Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Preferred® Card
Chase
4.8
Earn 60,000 bonus points. Strong travel and dining rewards.
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
Chase Sapphire Preferred® 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
Chase Sapphire Preferred®
Discover it® Secured
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 points
Cashback Match
Rewards Rate
1x-5x
1%-2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
N/A
Regular APR
21.49%-28.49% Variable Best
28.24% Variable
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
300-669
Chase Sapphire Preferred® Card
Pros
- Valuable sign-up bonus (60k points)
- 3x on dining and travel
- No foreign transaction fee
Cons
- $95 annual fee
- Points worth more when redeemed for travel through Chase
Discover it® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
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