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Discover Discover it Chrome vs Discover it Secured Cash Back

Both are Discover cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Discover it Chrome 1.0% 1% base rate
  2. Discover it Secured Cash Back 1.0% 1% base rate

Dining

  1. Discover it Secured Cash Back 5.0% 5%, rotating this quarter
  2. Discover it Chrome 2.0% 2%

Gas

  1. Discover it Chrome 2.0% 2%
  2. Discover it Secured Cash Back 1.0% 1% base rate

Entertainment

  1. Discover it Secured Cash Back 5.0% 5%, rotating this quarter
  2. Discover it Chrome 1.0% 1% base rate

Utilities

  1. Discover it Secured Cash Back 5.0% 5%, rotating this quarter
  2. Discover it Chrome 1.0% 1% base rate

What the numbers are doing

Discover it Secured Cash Back wins dining, entertainment and utilities at 5% only because the rotating calendar is on them this quarter. The quarter ends December 31, 2026; after it the card earns 1% there, and no later quarter in the published calendar brings it back.

Where they differ: Discover it Secured Cash Back takes dining, entertainment and utilities; Discover it Chrome takes gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseDiscover it Chrome1.0%
DiningDiscover it Secured Cash Back5.0%
GasDiscover it Chrome2.0%
EntertainmentDiscover it Secured Cash Back5.0%
UtilitiesDiscover it Secured Cash Back5.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Discover it Chrome — 1.0%
  2. Discover it Secured Cash Back — 1.0%

Dining

  1. Discover it Secured Cash Back — 5.0%
  2. Discover it Chrome — 2.0%

Gas

  1. Discover it Chrome — 2.0%
  2. Discover it Secured Cash Back — 1.0%

Entertainment

  1. Discover it Secured Cash Back — 5.0%
  2. Discover it Chrome — 1.0%

Utilities

  1. Discover it Secured Cash Back — 5.0%
  2. Discover it Chrome — 1.0%
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