Card comparisonSide by side
Chase Sapphire Reserve® vs Discover it® Secured Credit Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
Pair snapshot
2
cards
A-B
comparison
Comparison table
The numbers, lined up.
How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
Swipe horizontally to compare all columns
| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Chase | Discover |
Card Network | ||
Card Type Data: 2/2 cards | travel | secured |
Card Tier Data: 2/2 cards | Luxury | Entry Level |
Credit Score | Excellent(750+) | Poor(300-649) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $550 | $0 |
Foreign Transaction Fee | None | None |
Purchase APR | 21.99% – 28.99% | 28.24% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn 125,000 points | Earn $0 |
Bonus Value | $2,500 | — |
Reward Rate Data: 2/2 cards | 10x pts on hotels and car rentals (chase travel) | 2% back on gas stations |
Reward Program Data: 2/2 cards | Chase Ultimate Rewards | Discover Cashback Bonus |
| Earning Rates | ||
| All Other Purchases | 1x pts | 1% backUnlimited 1% cash back on all other purchases. |
| Dining | 3x pts3x points on dining at restaurants worldwide, including eligible delivery services, takeout, and dining out | — |
| Flights (Chase Travel) | 5x ptsPurchases through Chase Travel℠ | — |
| Flights via Chase Travel (after $300 travel credit) | 5x pts5x total points on flights purchased through Chase Travel after the first $300 is spent on travel purchases annually | — |
| Gas Stations | — | 2% backOn up to $1,000 in combined gas station and restaurant purchases each quarter; then 1% cash back. |
| Hotels and Car Rentals (Chase Travel) | 10x ptsPurchases through Chase Travel℠ | — |
| Hotels and Car Rentals via Chase Travel (after $300 travel credit) | 10x pts10x total points on hotels and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually | — |
| Restaurants | — | 2% backOn up to $1,000 in combined gas station and restaurant purchases each quarter; then 1% cash back. |
| Travel | 3x pts3x points on other travel worldwide (not through Chase Travel) | — |
| all | — | 1% backEarn 1% cash back on all purchases |
| Benefits | ||
Key Benefits |
|
|
