Compare Discover it® Secured to other credit cards

Discover it® Secured Credit Card
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Citi Secured MasterCard

No Annual Fee

No Annual Fee
Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard
No Annual Fee
yes
yes
yes
yes

Refundable security deposit 7

Refundable security deposit

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Refundable security deposit

yes
yes
yes
yes

Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit 7.

 

See other issuers’ websites for their review periods.

Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit .

 

See other issuers’ websites for their review periods.

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Automatic monthly reviews starting at 8 months to see if we can transition you to an account with no security deposit .

 

See other issuers’ websites for their review periods.

yes
no
no
no

Reports to all three major credit bureaus

Reports to all three major credit bureaus

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Reports to all three major credit bureaus

yes
yes
yes
yes

Earn 2% cash back in popular categories.††

Plus earn 1% cash back on all other purchases.

Earn 2% cash back in popular categories.

Plus earn 1% cash back on all other purchases.

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Earn 2% cash back in popular categories.

Plus earn 1% cash back on all other purchases.

yes
no
no
no

Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically2

 

See issuers' websites for their new cardmember bonuses

Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically

 

See issuers' websites for their new cardmember bonuses

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically

 

See issuers' websites for their new cardmember bonuses

yes
no
no
no

Redeem your rewards for cash in any amount.

Redeem your rewards for cash in any amount.

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Redeem your rewards for cash in any amount.

yes
no
no
no

Redeem your rewards for cash at any time.3

Redeem your rewards for cash at any time.

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Redeem your rewards for cash at any time.

yes
no
no
no

Your cash back never expires3

Your cash back never expires

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Your cash back never expires

yes
no
no
no

Use your rewards instantly at Amazon.com checkout 6

Use your rewards instantly at Amazon.com checkout

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Use your rewards instantly at Amazon.com checkout

yes
no
no
no

Use your rewards instantly when you pay with PayPal9

Use your rewards instantly when you pay with PayPal

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Use your rewards instantly when you pay with PayPal

yes
no
no
no

Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites. 1

Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Activate FREE alerts that notify you if your Social Security number is found on any of thousands of Dark Web sites.

yes
yes
no
no

Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report 1 +

Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report {plus-link}

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Activate FREE alerts to know when any new credit card, mortgage, car loan or other account shows up on your credit report {plus-link}

yes
yes
no
no

Activate free alerts to know when anyone pulls your credit, so you can recognize possible fraud 1 +

Activate free alerts to know when anyone pulls your credit, so you can recognize possible fraud {plus-link}
Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard
Activate free alerts to know when anyone pulls your credit, so you can recognize possible fraud {plus-link}
yes
yes
no
no

Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website 4

Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website

yes
yes
no
yes

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

$0 Fraud Liability - you're never responsible for unauthorized purchases on your credit card

yes
yes
yes
yes

Free overnight shipping for card replacement to any U.S. street address at your request 8

Free overnight shipping for card replacement to any U.S. street address at your request

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Free overnight shipping for card replacement to any U.S. street address at your request

yes
no
no
no

Paying late won't raise your APR.

Paying late won't raise your APR.

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Paying late won't raise your APR.

yes
yes
yes
no

No late fee on your first late payment.

No late fee on your first late payment.
Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard
No late fee on your first late payment.
yes
no
no
no

No overlimit fee

No overlimit fee

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

No overlimit fee

yes
yes
yes
yes

No foreign transaction fee.

No foreign transaction fee.
Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard
No foreign transaction fee.
yes
yes
no
no

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 5

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more {free-score}

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more {free-score}

yes
no
no
no

100% U.S. - based customer service available any time.

100% U.S. - based customer service available any time.

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

100% U.S. - based customer service available any time.

yes
no
yes
no

Pay your bill up to midnight (ET) the day it's due by phone or online

Pay your bill up to midnight (ET) the day it's due by phone or online

Discover it® Secured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Citi Secured MasterCard

Pay your bill up to midnight (ET) the day it's due by phone or online

yes
no
yes
yes

‡Cash back rewards – Discover: 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% on all other purchases.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in October 2020.

†Compared card issuers may provide a FICO® Credit Score or other credit score and other credit information. See issuers' websites for further details.

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