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Discover Discover it Secured Cash Back vs Discover it Student Chrome

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 Chrome 1.0% 1% base rate

Dining

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

Gas

  1. Discover it Student 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 Student Chrome 1.0% 1% base rate

Utilities

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

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

Dining

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

Gas

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

Entertainment

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

Utilities

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