IHG One Rewards Premier vs. Discover it® Secured Credit Card
Side-by-side comparison · Updated 2026 · Independently reviewed
IHG One Rewards Premier
Chase
4.2
140,000-point bonus. 26x at IHG. 4th night free on award stays.
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
IHG One Rewards Premier 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
IHG One Rewards
Discover it® Secured
Annual Fee
$99/yr
$0 Best
Sign-up Bonus
140,000 points
Cashback Match
Rewards Rate
3x-26x
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
IHG One Rewards Premier
Pros
- 140,000-point sign-up bonus
- Free night certificate annually
- Fourth night free on reward stays
- Platinum Elite status
Cons
- $99 annual fee
- Points tied to IHG ecosystem
- Points worth less per point than Marriott/Hilton
Discover it® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
Not sure which card is right for you?
Browse all credit cards