Delta SkyMiles Gold vs Discover it Secured
Delta SkyMiles Gold
$150/yr
6.0/10
VS
Discover it Secured
$0/yr
7.0/10
Quick Answer
Delta SkyMiles Gold charges $150/yr with 1X base rewards. Discover it Secured charges no annual fee with 1X base rewards. Discover it Secured offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Discover it Secured
Lower annual fee ($150 vs $0)
Rewards Earning
Delta SkyMiles Gold
4 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Delta SkyMiles Gold
$200 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Discover it Secured wins for most people
The $150 fee difference is hard to justify unless you maximize premium benefits.
Apply for Discover it SecuredPREMIUM PICK
Delta SkyMiles Gold wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Delta SkyMiles GoldRewards Earning: Detailed Comparison
Delta SkyMiles Gold
| Delta purchases | 2.0X |
| US supermarkets | 2.0X |
| Dining worldwide | 2.0X |
| Everything else | 1.0X |
Discover it Secured
| N/A | 2.0X |
| N/A | 2.0X |