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Discover it Secured vs Ink Business Premier

Discover it Secured

Discover it Secured

$0/yr
7.0/10
VS
Ink Business Premier

Ink Business Premier

$195/yr
6.0/10
Quick Answer

Discover it Secured charges no annual fee with 1X base rewards. Ink Business Premier charges $195/yr with 1X base rewards. Discover it Secured offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.

Apply for Discover it Secured →
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Category
Discover it Secured
Ink Business Premier
Annual Fee
$0 ✓
$195
Base Earning Rate
1.0X
1.0X
Signup Bonus
Cashback Match (first year)
None
Foreign Transaction Fee
$0
$0
Card Network
N/A
N/A
Reward Type
Cashback
Points

Winner by Category

Annual Fees

Discover it Secured
Lower annual fee ($0 vs $195)

Rewards Earning

Ink Business Premier
3 earning categories

Benefits & Protection

Discover it Secured
0 benefits vs 0

Statement Credits

Ink Business Premier
$300 in annual credits

Flexibility

Tie
Both cards have similar redemption flexibility
OUR PICK

Discover it Secured wins for most people

The $195 fee difference is hard to justify unless you maximize premium benefits.

Apply for Discover it Secured
PREMIUM PICK

Ink Business Premier wins for heavy spenders

If you can offset the higher fee with credits and perks, this card delivers more value.

Apply for Ink Business Premier

Rewards Earning: Detailed Comparison

Discover it Secured

N/A2.0X
N/A2.0X

Ink Business Premier

Everything2.0X
Purchases of $5,000+2.5X
Travel (Chase Travel)5.0X
Read Discover it Secured Review →Read Ink Business Premier Review →