Compare Discover it® Secured to other credit cards

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No Annual Fee YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit
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Discover it secured credit card
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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>
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Refundable security deposit 7 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit
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Citi Secured MasterCard

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.

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

Redeem your rewards for cash in any amount.

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

Your cash back never expires

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit
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Citi Secured MasterCard
Use your rewards instantly at Amazon.com checkout 6 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit
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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
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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
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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
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Citi Secured MasterCard
Activate free alerts to know when anyone pulls your credit, so you can recognize possible fraud 1  + YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit
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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
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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
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Citi Secured MasterCard
Free overnight shipping for card replacement to any U.S. street address at your request 8 YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit
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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
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Paying late won't raise your APR

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

No late fee on your first late payment

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No overlimit fee

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

No foreign transaction fee

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

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

YesSecured Credit Card Capital One Secured MasterCard Bank Americard Secured Credit
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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
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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 July 2020.

 

†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. 22.99% 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: 24.99% 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: Only from Discover, as of July 2020. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

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

  7. Discover refunds deposits two ways: 1) automatic monthly reviews at 8 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. Deposit refunds can take up to two billing cycles plus ten days.

  8. 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.