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Discover it® Secured


Rated 5/5 stars by our editorial team

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Your Rating:

4.5/5.0 from 17 Offer Ratings
Over the Past 60 Days!

(17) Over the Past 60 Days!

  • Regular Purchase APR 24.49% Variable
  • Intro Purchase APR N/A
  • Intro BT APR 10.99% APR for 6 months
  • Annual Fee $0
  • Credit Needed


  • Card Brand Discover

Card Details


  • No Annual Fee, earn cash back, and build your credit with responsible use.
  • It's a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • Establish your credit line by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • INTRO OFFER: We automatically match all the cash back you've earned at the end of your first year.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 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)*

Penalty APR None

Ongoing Information

Rewards Rate 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. 1% unlimited cash back on all other purchases.

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 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 card comes with no annual fee, no late fee on your first late payment, 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. Cardholders will also have access to their FICO® credit score for free on their monthly statements and through their online banking. This will allow you to track your progress overtime as you build your credit.

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 every quarter, automatically. 1% unlimited cash back on all other purchases. 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

  • 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 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. Also, having no annual fee, a free FICO® score and no late fee on your first late payment will really help cardholders get used to using a credit card while they build credit.

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


17 Total Ratings

5 Star
4 Star
3 Star
2 Star
1 Star

Your Rating

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+14 users submitted a rating without a full review

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12 Found this review helpful

By: | Dec 21, 2017

I like Discover better than most prepaid cards.

63 Found this review helpful

By: | Apr 5, 2017

Pretty good card

189 Found this review helpful

By: | Jun 7, 2016

So far so good. I realize that Discover is considered the "poor man's" prime card and the secured card has even less credit requirements than their unsecured products but that doesn't matter- I'm finally in! I haven't had any remotely negative experiences yet other than having to wait three days or more for any of my transactions to post, which makes it harder to keep my balance down. It's also sad that I will have to wait until my first statement* to see my cashback bonus, but it's going to be nice since most of my spend is in restaurants and gas (aka the bonus categories)... looking forward to bumping my line up too and graduating the card after that year period is up. In brief this is definitely a good card to consider if you are looking for a secured card. However, be prepared to wait for transactions and your cash back to post. This is geared towards the more patient consumer that can wait for their account to update. If you're not so patient having another rewards card with more frequent updates would be ideal. * this is not listed on the website anywhere. I asked my dad about the cashback policy (who has the unsecured rotating) yet this is likely a question easily answered by Discover's reps... have not found the need to call since everything goes smoothly so far!

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