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Capital One Platinum Secured Credit Card vs Discover it® Secured

Two solid secured cards, but one has a rare perk.

Unlike the The Capital One Platinum Secured Credit Card, 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 Platinum Secured Credit Card has no rewards or welcome offer.

Capital One Platinum Secured Credit Card

Capital One Platinum Secured Credit Card

Terms apply, see rates & fees

Discover it® Secured

Discover it® Secured

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.4 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Growing your credit score and limit
  • Earning rewards while building credit
Welcome offer
Welcome offer

N/A

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 300 300
Card type
Card type Credit Credit
Learn more
Learn more

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Compare Capital One Platinum Secured Credit Card vs. Discover it® Secured

Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
Capital One Platinum Secured Credit Card
$49, $99 or $200
26.99% variable
$0
New to credit
A no-annual-fee secured card that separates itself from the pack with a $200 credit limit after making a more affordable than average deposit of $49, $99 or $200.
Discover it® Secured
Starting at $200
22.99% variable
$0
300
2% cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
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