Discover it® Secured Credit Card vs. Bank of America® Customized Cash Rewards
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 →
Bank of America® Customized Cash Rewards
Bank of America
4.3
3% in your choice category. 2% at grocery/wholesale. No annual fee.
Full review →WealthSpott Verdict
Bank of America® Customized Cash Rewards wins on more measurable categories — particularly annual cost. Discover it® Secured Credit Card may still win for your wallet depending on your spending patterns.
Feature
Discover it® Secured
Bank of America®
Annual Fee
$0
$0
Sign-up Bonus
Cashback Match
$200
Rewards Rate
1%-2%
1%-3%
Rewards Type
Cash Back
Cash Back
0% Intro APR
N/A
0% for 15 billing cycles
Regular APR
28.24% Variable
19.24%-29.24% 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
Bank of America® Customized Cash Rewards
Pros
- 3% on your choice category (gas, dining, online, etc.)
- 2% at grocery stores and wholesale clubs
- No annual fee
- Boostable with Preferred Rewards (up to 75%)
Cons
- 3% foreign transaction fee
- 3% choice category caps at $2,500/quarter
- Must actively choose your category
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