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

Dining

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

Entertainment

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

Utilities

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

What the numbers are doing

These cards return the same effective rate in all 60 categories, so the ranking cannot separate them. Pick on annual fee instead: Discover it Secured Cash Back $0, Discover it Student Cash Back $0.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseDiscover it Secured Cash Back1.0%
DiningDiscover it Secured Cash Back5.0%
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 Secured Cash Back — 1.0%
  2. Discover it Student Cash Back — 1.0%

Dining

  1. Discover it Secured Cash Back — 5.0%
  2. Discover it Student Cash Back — 5.0%

Entertainment

  1. Discover it Secured Cash Back — 5.0%
  2. Discover it Student Cash Back — 5.0%

Utilities

  1. Discover it Secured Cash Back — 5.0%
  2. Discover it Student Cash Back — 5.0%
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