Discover it® Cash Back vs Navy Federal cashRewards Secured
Discover it® Cash Back earns more in 5 of the 6 categories we track. Neither has an annual fee.
The basics
| Detail | Discover it® Cash Back | Navy Federal cashRewards Secured |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Cash Back | Cash Back |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | $200 statement credit after $500 in 3 months | — |
What each earns
| Category | Discover it® Cash Back | Navy Federal cashRewards Secured |
|---|---|---|
| Dining & Restaurants | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 1.0% 1x |
| Entertainment | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 1.0% 1x |
| Internet & Cable | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 1.0% 1x |
| Phone & Wireless | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 1.0% 1x |
| Utilities | 5.0% (higher) 5x, rotating (quarterly), up to $1,500 | 1.0% 1x |
| Everything else | 1.0% 1x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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