Card Comparison
Chase Sapphire Preferred vs Discover it Secured
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
75,000 points
Spend $5,000 in 3 months
See issuer
Top Earn Rates
- Chase Travel 5x
- Dining 3x
- Streaming 3x
- Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 2x
- All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
- hotel stays purchased through Chase Travel. $50
- DoorDash Credit $10
None
Card Perks
- DoorDash Dashpass (~$100/yr)
None listed
Transfer Partners
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Cash back only
Common Questions: Chase Sapphire Preferred vs Discover it Secured
Is the Chase Sapphire Preferred or Discover it Secured better for dining?
Chase Sapphire Preferred earns 3x on dining; Discover it Secured earns 2x on dining. Chase Sapphire Preferred wins for dining.
Which has the higher signup bonus in 2026?
Chase Sapphire Preferred currently offers 75,000 pts signup bonus (spend $5,000 in 3 months). Discover it Secured offers $150 signup bonus. Chase Sapphire Preferred has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Chase Sapphire Preferred and the Discover it Secured?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Sapphire Preferred is from Chase and Discover it Secured is from Discover, so they're governed by separate bank policies.