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
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.
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
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
|
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
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.
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
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
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
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
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
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 +
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
|
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
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
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
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.
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. |
No late fee on your first late payment. |
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. |
No foreign transaction fee. |
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more † 5
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.
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
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 January 2021.
†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.