Compare Discover it® Secured to other credit cards

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Discover it® Secured Credit Card
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard
No Annual Fee YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card $25 Citi Secured MasterCard
Discover it® Secured Credit Card
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard

ESSENTIALS

ESSENTIALS
Discover it<sup>®</sup> Secured Credit Card<span class="sec-dagg" style="font-weight: 400;color: rgb(36,119,171);font-size: 0.9375em;top: 0;"> ‡</span>
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard
Refundable security deposit 8 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured 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 8.

See other issuers’ websites for their review periods.

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard
Reports to all three major credit bureaus YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

REWARDS

REWARDS
Discover it<sup>®</sup> Secured Credit Card<span class="sec-dagg" style="font-weight: 400;color: rgb(36,119,171);font-size: 0.9375em;top: 0;"> ‡</span>
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard

Earn 2% cash back in popular categories.††

Plus earn 1% cash back on all other purchases.

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured 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  2

See issuers' websites for their new cardmember bonuses

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

Redeem your rewards for cash in any amount.

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard
Redeem your rewards for cash at any time.  3 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

Your cash back never expires

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard
Use your rewards instantly at Amazon.com checkout 7 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

SECURITY

SECURITY
Discover it<sup>®</sup> Secured Credit Card<span class="sec-dagg" style="font-weight: 400;color: rgb(36,119,171);font-size: 0.9375em;top: 0;"> ‡</span>
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured 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.  1 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured 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  1 + YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured 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 4 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

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

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard
Free overnight shipping for card replacement to any U.S. street address at your request 6 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

VALUE

VALUE
Discover it<sup>®</sup> Secured Credit Card<span class="sec-dagg" style="font-weight: 400;color: rgb(36,119,171);font-size: 0.9375em;top: 0;"> ‡</span>
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard

Paying late won't raise your APR

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

No late fee on your first late payment

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

No overlimit fee

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

No foreign transaction fee

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

SERVICE

SERVICE
Discover it<sup>®</sup> Secured Credit Card<span class="sec-dagg" style="font-weight: 400;color: rgb(36,119,171);font-size: 0.9375em;top: 0;"> ‡</span>
Capital One Secured MasterCard
Bank Americard Secured Credit Card
Wells Fargo Secured Card
Citi Secured MasterCard
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more 5 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

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

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard

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

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit Card Wells Fargo Secured Card Citi Secured MasterCard
 

‡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 September 2019.

 

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

 

+Discover's free alerts are based on information from your Experian® credit report.

 

Ready to apply for the Discover it® Secured credit card?

 

Annual Fee: None. 24.49% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by  then the standard purchase APR applies. Cash APR: 26.49% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

††You earn a full 2% Cashback Bonus on your first $1000 in combined gas and restaurant purchases each calendar quarter. Calendar quarters are defined as the three-month periods beginning January 1, April 1, July 1, and October 1. Gas and restaurant category purchases over the quarterly cap, and all other purchases, earn 1% cash back. Gas and restaurant purchases are those made at merchants classified as gas stations and full service restaurants, cafes, cafeterias and fast-food locations. Purchases coded in categories other than these, including purchases made at warehouse clubs, wholesale distributors, and discount stores, will not qualify. Purchases made using third-party payment accounts, tap-and-pay, mobile or wireless card readers, virtual wallets or similar technology may not be eligible. Rewards are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus  Program Terms and Conditions for further detail.

 

  1. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.

  2. Cashback Match: No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.

  3. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditionsOpens PDF.

  4. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

  5. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.

  6. Free Overnight Card Replacement: Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

  7. Use Rewards at Amazon.com: Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus.

  8. Discover refunds deposits two ways: 1) automatic monthly reviews starting at eight months to see if your account qualifies to "graduate" after showing responsible use of all your credit over time, or 2) when you close your account and pay in full we will return the security deposit to you, which can take up to two billing cycles plus ten days. See other issuers' websites for their details.