Chase Sapphire Reserve® vs. Discover it® Secured Credit Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
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 Reserve® 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 Reserve®
Discover it® Secured
Annual Fee
$550/yr
$0 Best
Sign-up Bonus
60,000 points
Cashback Match
Rewards Rate
1x-10x
1%-2%
Rewards Type
Points
Cash Back
0% Intro APR
N/A
N/A
Regular APR
22.49%-29.49% Variable Best
28.24% Variable
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
720-850
300-669
Chase Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
Discover it® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
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