Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 2x on grocery (catalog median is 1.5x)
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$372/yr
$372 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$410/yr
$410 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$370/yr
$370 rewards
Rewards by Category
Dining
2x
Grocery
2x
Gas
2x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
2x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
Secured card for building credit. 2% at gas stations and restaurants (up to $1,000/quarter). 1% all else. Cashback Match first year.
Discover it Secured Credit Card FAQ
What is the Discover it Secured Credit Card annual fee?
The Discover it Secured Credit Card has no annual fee.
What are the best spending categories for the Discover it Secured Credit Card?
2x on dining, 2x on fast food, 2x on grocery. Everything else earns 1x.
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