Discover it® Cash Back vs. Discover it® Secured Credit Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover it® Cash Back
Discover
4.5
5% rotating categories. Cashback Match at end of first year.
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
Discover it® Cash Back 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
Discover it® Cash
Discover it® Secured
Annual Fee
$0
$0
Sign-up Bonus
Cashback Match
Cashback Match
Rewards Rate
1%-5%
1%-2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 15 months
N/A
Regular APR
18.24%-28.24% Variable Best
28.24% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
300-669
Discover it® Cash Back
Pros
- Cashback Match doubles first-year earnings
- 5% rotating categories
Cons
- Quarterly category activation required
Discover it® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
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