Discover it Secured Credit Card vs Capital One Platinum Secured
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
No annual fee
vs
No annual fee
Base Rewards
1%
vs
0%
Sign-Up Bonus
$75
vs
None
Editor Score
10/10
vs
7/10
Detailed Comparison
| Category wins | 6/6 | 0/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | No annual fee |
| Purchase APR | 28.24% | 30.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | 3% | None |
| Rewards | ||
| Rewards Type | Cashback | Cashback |
| Base Rewards Rate | 1%★ Highest | ✗ Lowest |
| Bonus Categories | 2% Gas Stations · 2% Dining | |
| Sign-Up Bonus | $75 value★ Highest | ✗ Lowest |
| Eligibility | ||
| Credit Score | Poor (300-579) | Poor (300-579) |
| Network | Discover | Mastercard |
| At a Glance | ||
| Best For | Building credit while earning real rewards | Building or rebuilding credit |
| Ratings | ||
| User Rating | 4.6 / 5★ Highest | 4 / 5✗ Lowest |
| Editor Score | 10 / 10★ Highest | 7 / 10✗ Lowest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our Verdict
Two secured cards for building credit, different approaches. The Discover it Secured earns 2% on dining and gas (up to $1K/quarter) plus 1% on everything else, and matches all cash back in year one. The Capital One Platinum Secured has no rewards but is easier to get approved and offers automatic credit line increases. The Discover wins on rewards and first-year value; the Capital One wins for people who need the easiest possible approval.
Winner: Discover it Secured Credit Card
Cash back rewards plus first-year match make it far more valuable
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Common Questions
Which is better: Discover it Secured Credit Card or Capital One Platinum Secured?
It depends on your spending habits. The Discover it Secured Credit Card has no annual fee and earns 1% base rewards. The Capital One Platinum Secured has no annual fee and earns 0% base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Discover it Secured Credit Card and Capital One Platinum Secured?
The Discover it Secured Credit Card has no annual fee while the Capital One Platinum Secured has no annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Discover it Secured Credit Card and Capital One Platinum Secured?
Yes, since these cards are from different issuers (Discover and Capital One), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.