Cons

• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −Miles are worth 1 cent each - no transfer partners for outsized value
• −No travel protections like trip delay insurance or lost luggage coverage
• −No airport lounge access or TSA PreCheck credit
• −After first year, 1.5x is lower than premium travel cards offer

• −Requires refundable security deposit ($200-$2,500)
• −Must activate 5% categories each quarter
• −$1,500 quarterly cap on 5% categories
• −Secured credit limit tied to deposit amount
• −Discover network less accepted than Visa/Mastercard

Cons

• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −Miles are worth 1 cent each - no transfer partners for outsized value
• −No travel protections like trip delay insurance or lost luggage coverage
• −No airport lounge access or TSA PreCheck credit
• −After first year, 1.5x is lower than premium travel cards offer

• −Requires refundable security deposit ($200-$2,500)
• −Must activate 5% categories each quarter
• −$1,500 quarterly cap on 5% categories
• −Secured credit limit tied to deposit amount
• −Discover network less accepted than Visa/Mastercard

Cons

• −Discover network has more limited merchant acceptance than Visa/Mastercard
• −Miles are worth 1 cent each - no transfer partners for outsized value
• −No travel protections like trip delay insurance or lost luggage coverage
• −No airport lounge access or TSA PreCheck credit
• −After first year, 1.5x is lower than premium travel cards offer

• −Requires refundable security deposit ($200-$2,500)
• −Must activate 5% categories each quarter
• −$1,500 quarterly cap on 5% categories
• −Secured credit limit tied to deposit amount
• −Discover network less accepted than Visa/Mastercard