Compare · head to head
Capital One Platinum Secured vs Discover it® Secured Cash Back
Side by side on the numbers that decide it. The Money 8020 Score already weighs these. This page is the receipts.
Money 8020 pick CO Capital One Platinum Secured Capital One 96/100 | D Discover it® Secured Cash Back Discover 94/100 | |
|---|---|---|
| Tier | Essential | Essential |
| Security deposit | $49 / $99 / $200 | $49 / $99 / $200 |
| Purchase APR | 29.24% | — |
| Upgrade path | Yes | — |
| Rewards rate | — | 1%-5% |
| Cashback Match | — | First year |
| Annual fee | $0 | $0 |
| Best for | People building or rebuilding credit on a tight budget | People who want rewards while building credit |
| View profile | View profile |
Which should you choose: the Capital One Platinum Secured or the Discover it® Secured Cash Back?
The Capital One Platinum Secured is the stronger pick of the two, with a Money 8020 score of 96/100 versus 94. Choose the Discover it® Secured Cash Back instead if people who want rewards while building credit.
FAQ
Capital One Platinum Secured vs Discover it® Secured Cash Back: FAQ
Is the Capital One Platinum Secured or the Discover it® Secured Cash Back better?
By our scoring, the Capital One Platinum Secured edges ahead with a Money 8020 score of 96/100 versus 94. The Discover it® Secured Cash Back can still be the better fit if people who want rewards while building credit.