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    50,000,000 card holders Since 2005

Discover it® Secured Credit Card

Discover it® Secured Credit Card


Rated 5/5 stars by our editorial team

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Your Rating:

4.7/5.0 from 7 Offer Ratings
Over the Past 60 Days!

(7) Over the Past 60 Days!

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  • Regular Purchase APR 27.24% Variable APR
  • Intro Purchase APR N/A
  • Intro BT APR 10.99% Intro APR for 6 months
  • Annual Fee $0
  • Credit Needed


  • Card Brand Discover

Card Details


  • No credit score required to apply.
  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • Establish your credit line by providing a refundable security deposit of at least $200. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line. Bank information must be provided when submitting your deposit, and the security deposit equals your credit limit.
  • Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Click "Apply Now" to see terms and conditions.
  • See Rates & Fees

Card Fees

Foreign Transaction Fee None

Balance Transfer Fee 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Cash Advance Fee see terms

Penalty APR None

Ongoing Information

Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

The Discover it® Secured Credit Card is an excellent option for consumers who are trying to build credit for the first time or rebuild their credit. Since secured cards are typically only used by consumers who are considered high risk, they usually come with high fees and no rewards. But that’s not the case with this card - in fact, this new product comes with some incredible features that you won’t find on any other secured credit card!

First off, the Discover it® Secured Credit Card comes with no annual fee, no late fee on your first late payment (up to $41 after that), and no increase to your APR for paying late. These features are extremely helpful for consumers who are just getting used to using a credit card for the first time.

Perhaps the coolest feature of this secured card is that it offers cash back rewards with all of your purchases. This is extremely rare among cards for people with low credit scores, and the rewards rate is actually quite generous. Cardholders earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically. When you bundle all of these great perks with the award-winning customer service that accompanies all Discover cards, you have a winning combination for consumers looking to build their credit.

Expert Reviews of the Discover it® Secured Credit Card

  • 4.0

    Regular APR

  • 3.0

    Intro APR

  • 5.0


  • 5.0


  • star rating 5.0/5

    Overall Rating

The Bottom Line

This is really a top of the line secured credit card when you consider all of the features and perks. The Discover it® Secured Credit Card comes with all the tools you need to start building credit, and you get to earn cash back along the way.

The Good

Earning cash back with a secured credit card is an incredible perk that you’ll be hard-pressed to find anywhere else.

The Not so Good

Since it’s a Discover card, it might not be accepted at every single retailer you visit.

Editorial Note: This content is not provided by Discover. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Discover.

Consumer Reviews

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Offer Rating


7 Total Ratings

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