Discover it Secured vs Platinum Secured
The two best starting lines for building credit.
Discover it Secured
Discover
- Our rating
- 7.5/10
- Welcome bonus
- $0 cash
- Bonus value
- ≈$0
- Annual fee
- $0
- Credits, max/yr
- $0
- Foreign txn fee
- None
Top earning rates
- 2x Gas stations and restaurants ($1,000 quarterly cap)
- 1x Everything else
Capital One Platinum Secured
Capital One
- Our rating
- 6.8/10
- Welcome bonus
- $0 cash
- Bonus value
- ≈$0
- Annual fee
- $0
- Credits, max/yr
- $0
- Foreign txn fee
- None
Top earning rates
- 0x No rewards: this card is purely for building credit
The Compound Verdict
Our ratings give it to the Discover it Secured (7.5 vs 6.8). On current welcome offers, the Discover it Secured brings the bigger first-year haul at ≈$0.
Read the full reviews for the complete math: Discover it Secured review and Platinum Secured review, or put them side by side in the comparison tool.