Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
Discover it® Miles vs Discover it® Secured Credit Card (2026)
Home / Compare / Discover it® Miles vs Discover it® Secured Credit Card Discover it® Miles vs Discover it® Secured Credit Card Both cards cost $0/yr. The Discover it® Miles is better for everyday spending, while the Discover it® Secured Credit Card wins on rotating categories. Here's how they compare.
Fees & Welcome Offer Welcome Bonus
35,000 points
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Earn Rates Category Discover it® Miles Discover it® Secured Credit Card Rotating Categories 1X 5X Dining 1X 2X Gas Stations 1X 2X
Pros & Cons Pros
+ No annual fee+ Simple 1.5x miles on all purchases with no category tracking+ Miles Match doubles all miles earned in the first year (effectively 3x)+ Flexible redemption - miles can be redeemed for any travel purchase+ No foreign transaction fees+ No annual fee for a secured card with rewards+ 5% cash back on rotating categories after activation+ First-year cash back match doubles all rewards+ No foreign transaction fees+ Can graduate to unsecured card after 7 monthsCons
− Discover network has more limited merchant acceptance than Visa/Mastercard− Miles are worth 1 cent each - no transfer partners for outsized valueCategory-by-Category Winner The Discover it® Secured Credit Card wins in 3 of 3 categories. The Discover it® Miles leads in 0.
W Rotating Categories
Discover it® Secured Credit Card earns 5X vs 1X
W Dining
Discover it® Secured Credit Card earns 2X vs 1X
W Gas Stations
Discover it® Secured Credit Card earns 2X vs 1X
Which Card Is Right for You? Get the Discover it® Secured Credit Card if you:
+ Spend $300+/month on restaurants and dining outFrequently Asked Questions
Which card earns more rewards, the Discover it® Miles or Discover it® Secured Credit Card? Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Discover it® Miles or the Discover it® Secured Credit Card? Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above. Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Home / Compare / Discover it® Miles vs Discover it® Secured Credit Card Discover it® Miles vs Discover it® Secured Credit Card Both cards cost $0/yr. The Discover it® Miles is better for everyday spending, while the Discover it® Secured Credit Card wins on rotating categories. Here's how they compare.
Fees & Welcome Offer Welcome Bonus
35,000 points
—
Earn Rates Category Discover it® Miles Discover it® Secured Credit Card Rotating Categories 1X 5X Dining 1X 2X Gas Stations 1X 2X
Pros & Cons Pros
+ No annual fee+ Simple 1.5x miles on all purchases with no category tracking+ Miles Match doubles all miles earned in the first year (effectively 3x)+ Flexible redemption - miles can be redeemed for any travel purchase+ No foreign transaction fees+ No annual fee for a secured card with rewards+ 5% cash back on rotating categories after activation+ First-year cash back match doubles all rewards+ No foreign transaction fees+ Can graduate to unsecured card after 7 monthsCons
− Discover network has more limited merchant acceptance than Visa/Mastercard− Miles are worth 1 cent each - no transfer partners for outsized valueCategory-by-Category Winner The Discover it® Secured Credit Card wins in 3 of 3 categories. The Discover it® Miles leads in 0.
W Rotating Categories
Discover it® Secured Credit Card earns 5X vs 1X
W Dining
Discover it® Secured Credit Card earns 2X vs 1X
W Gas Stations
Discover it® Secured Credit Card earns 2X vs 1X
Which Card Is Right for You? Get the Discover it® Secured Credit Card if you:
+ Spend $300+/month on restaurants and dining outFrequently Asked Questions
Which card earns more rewards, the Discover it® Miles or Discover it® Secured Credit Card? Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Discover it® Miles or the Discover it® Secured Credit Card? Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above. Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Home / Compare / Discover it® Miles vs Discover it® Secured Credit Card Discover it® Miles vs Discover it® Secured Credit Card Both cards cost $0/yr. The Discover it® Miles is better for everyday spending, while the Discover it® Secured Credit Card wins on rotating categories. Here's how they compare.
Fees & Welcome Offer Welcome Bonus
35,000 points
—
Earn Rates Category Discover it® Miles Discover it® Secured Credit Card Rotating Categories 1X 5X Dining 1X 2X Gas Stations 1X 2X
Pros & Cons Pros
+ No annual fee+ Simple 1.5x miles on all purchases with no category tracking+ Miles Match doubles all miles earned in the first year (effectively 3x)+ Flexible redemption - miles can be redeemed for any travel purchase+ No foreign transaction fees+ No annual fee for a secured card with rewards+ 5% cash back on rotating categories after activation+ First-year cash back match doubles all rewards+ No foreign transaction fees+ Can graduate to unsecured card after 7 monthsCons
− Discover network has more limited merchant acceptance than Visa/Mastercard− Miles are worth 1 cent each - no transfer partners for outsized valueCategory-by-Category Winner The Discover it® Secured Credit Card wins in 3 of 3 categories. The Discover it® Miles leads in 0.
W Rotating Categories
Discover it® Secured Credit Card earns 5X vs 1X
W Dining
Discover it® Secured Credit Card earns 2X vs 1X
W Gas Stations
Discover it® Secured Credit Card earns 2X vs 1X
Which Card Is Right for You? Get the Discover it® Secured Credit Card if you:
+ Spend $300+/month on restaurants and dining outFrequently Asked Questions
Which card earns more rewards, the Discover it® Miles or Discover it® Secured Credit Card? Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Discover it® Miles or the Discover it® Secured Credit Card? Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above. Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
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− No airport lounge access or TSA PreCheck credit
− After first year, 1.5x is lower than premium travel cards offer− Requires refundable security deposit ($200-$2,500)− Must activate 5% categories each quarter− $1,500 quarterly cap on 5% categories− Secured credit limit tied to deposit amount− Discover network less accepted than Visa/Mastercard−
− No airport lounge access or TSA PreCheck credit
− After first year, 1.5x is lower than premium travel cards offer− Requires refundable security deposit ($200-$2,500)− Must activate 5% categories each quarter− $1,500 quarterly cap on 5% categories− Secured credit limit tied to deposit amount− Discover network less accepted than Visa/Mastercard−
− No airport lounge access or TSA PreCheck credit
− After first year, 1.5x is lower than premium travel cards offer− Requires refundable security deposit ($200-$2,500)− Must activate 5% categories each quarter− $1,500 quarterly cap on 5% categories− Secured credit limit tied to deposit amount− Discover network less accepted than Visa/Mastercard
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