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Unlike the The Capital One® Secured Mastercard®, the Discover it® Secured comes with rewards, which is rare for a secured card. You’ll earn 2% cash back on up to $1,000 spent on gas and dining each activated quarter, then 1% after that and on all other purchases. The Capital One® Secured Mastercard® has no rewards or welcome offer.
Discover will match cash back earned at the end of your first card year
Rewards
Rewards
N/A
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
Purchase APR
Purchase APR
26.99% variable
22.99% variable
Annual fee
Annual fee
$0
$0
Balance transfer APR
Balance transfer APR
26.99%
variable
10.99%
intro APR for
6 months, then
22.99%
variable
Cash advance
Cash advance
APR:
26.99%
variable
Fee:
$10
or
3%
of the transaction, whichever is greater
APR:
24.99%
variable
Fee:
$10
or
5%
of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee
None
None
Late payment fee
Late payment fee
Up to
$40
Up to
$40
Additional cardholder fee
Additional cardholder fee
$0
Interest-free period
Interest-free period
25
days
25
days
Minimum interest
Minimum interest
$0
$0.50
Minimum credit score
Minimum credit score
580
300
Card type
Card type
Credit
Credit
Learn more
Learn more
Summary of card features
Capital One® Secured Mastercard®
You'll pay no annual fee to use this card.
Depending on your credit, you may pay a security deposit as low as $49 and still get a $200 credit limit.
Make your first 5 monthly payments on time and Capital One will raise your credit limit.
Discover it® Secured
Build your credit. Responsible use of the card will help you build your credit score, as the card reports to all three major credit bureaus — Equifax, Experian and TransUnion.
Earn cash back. Earn 2% back on dining and gas on up to $1,000 in combined purchases each quarter. On everything else you buy, you’ll earn 1% cash back.
Intro APR period on balance transfers. Enjoy a 10.99% intro APR period on balance transfers for 6 months. After that, a variable APR of 22.99% applies.
Compare Capital One® Secured Mastercard® vs. Discover it® Secured
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.
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