Discover it® Secured Credit Card vs. Blue Cash Preferred® Card from American Express
Side-by-side comparison · Updated 2026 · Independently reviewed
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 →
Blue Cash Preferred® Card from American Express
American Express
4.6
6% at U.S. supermarkets (up to $6k/yr). 6% on select streaming.
Full review →WealthSpott Verdict
Discover it® Secured Credit Card and Blue Cash Preferred® Card from American Express are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Discover it® Secured
Blue Cash Preferred®
Annual Fee
$0 Best
$95/yr
Sign-up Bonus
Cashback Match
$350
Rewards Rate
1%-2%
1%-6%
Rewards Type
Cash Back
Cash Back
0% Intro APR
N/A
0% for 12 months
Regular APR
28.24% Variable
19.24%-29.99% Variable Best
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
300-669
670-850
Discover it® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
Blue Cash Preferred® Card from American Express
Pros
- 6% back at U.S. supermarkets (up to $6k/year)
- 6% on select streaming subscriptions
- $0 intro annual fee for first year
Cons
- $95 annual fee after first year
- 6% grocery bonus caps at $6,000/year
- Foreign transaction fee
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