Card Comparison
Citi Double Cash vs Discover it Secured
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
3%
None
Signup Bonus
$200 credit
Spend $1,500 in 6 months
See issuer
Top Earn Rates
- Citi Travel 5x
- All Other Purchases 2x
- Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 2x
- All Other Purchases 1x
Reward Type
cashback
cashback
Key Credits
None
None
Transfer Partners
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
Cash back only
Common Questions: Citi Double Cash vs Discover it Secured
Is the Citi Double Cash or Discover it Secured better for dining?
Citi Double Cash has no dining bonus; Discover it Secured earns 2x on dining.
Which has the higher signup bonus in 2026?
Citi Double Cash currently offers $200 signup bonus (spend $1,500 in 6 months). Discover it Secured offers $150 signup bonus. Citi Double Cash has the larger bonus.
Which card is better for international travel?
Discover it Secured charges no foreign transaction fees — the better pick for international use. Citi Double Cash charges 3% on foreign purchases.
Can I hold both the Citi Double Cash 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. Citi Double Cash is from Citi and Discover it Secured is from Discover, so they're governed by separate bank policies.