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The Discover it® Secured Credit Card

Can help you build or rebuild credit with responsible use.1

Discover it cash credit card blue

The Discover it® Secured Credit Card

Can help you build or rebuild credit with responsible use.1

No annual fee

Discover it cash credit card blue

Here's how it works.

Secured Card Deposit

Apply & provide a deposit

If approved, secure your line with an equal deposit. That means a $200 deposit for a $200 credit line. Or a $500 deposit for a $500 credit line.2

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Discover it Secured Credit Card

Use your card responsibly

Be sure to pay your bill on time. And pay your balance in full each month by the due date to avoid interest on purchases.

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Build Credit History

Build your credit history

Using credit responsibly across all of your credit cards and loans, including Discover and others, may qualify you to get your security deposit back.3

Discover Secured Card

It's a real credit card, not a prepaid or debit card

Using your secured credit card will build a credit history with the three major credit bureaus. Generally, prepaid and debit cards can't do that.

Refundable Security Deposit

Get started with a refundable security deposit

Your secured card requires a refundable security deposit. You choose your deposit amount (minimum $200) when you apply.

Earn cash back

Earn cash back on every purchase

2% Cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.

Double your cash back

First-year offer: after you earn, we match4

We automatically match all the cash back you've earned at the end of your first year on your credit card.

No annual fee

No annual fee

23.74% standard variable purchase APR*

FICO Credit Score

FICO® Credit Score for free5

Get your FICO ® Credit Score for free on monthly statements, on our mobile app or when you log in to your online account.


Learn More About FICO® Credit Scores

Frequently Asked Questions

  • What type of credit do I need to qualify for this card?
  • What do I need to apply?
  • What are Secured Credit Cards?
  • Can I get my security deposit back?
  • How do I return to an application I have started?

Not sure if a secured credit card is right for you?

Discover it® Secured Credit Card VS.Competitors

Compare Credit Cards to Discover Chart

Discover it® Secured Credit Card

Discover it Secured Card
CapitalOne®Secured
MasterCard
Bank
Americard®
Secured Credit Card
Wells Fargo
Secured Card
Citi® Secured
Master Card®
No Annual Fee Yes Blue Cash Everyday® Card from American Express® Yes Chase Freedom No Capital One® Quicksilver® Cash Rewards No Citi® Secured
Master Card®
Yes
ESSENTIALS
Refundable security deposit 11 YesCash Credit CardYes CapitalOne Secured
MasterCard
Yes
Bank
Americard
Secured Rewards
Yes
Wells Fargo
Secured Card®
Yes
Citi® Secured
Master Card®
Yes
Automatic periodic reviews to see if we can transition you to an account with no security deposit 11 YesCash Credit Card Yes CapitalOne Secured
MasterCard
No
Bank
Americard
Secured Rewards
Yes
Wells Fargo
Secured Card®
Yes
Citi® Secured
Master Card®
Yes
Reports to all three major credit bureaus YesCash Credit Card Yes CapitalOne Secured
MasterCard
Yes
Bank
Americard
Secured Rewards
Yes
Wells Fargo
Secured Card®
Yes
Citi® Secured
Master Card®
Yes
Rewards
Earn 2% cash back in popular categories.
Plus earn 1% cash back on all other purchases. ††
Comparing student credit cardsStudent Credit CardYes Capital One® Secured MasterCardNo Bank Americard® Secured Credit CardNo Wells Fargo Secured CardNo Citi®Secured
MasterCard®
No
See Full Compare Chart

Comparison conducted by an independent research firm and based on competitor info compiled in March 2017.
†Some card issuers may only provide FICO® Credit Scores online or may provide a different credit score.
*According to the Feb 2017 Nilson Report.

All with no annual fee.

23.74% standard variable purchase APR*

What cardmembers are saying.

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I love this card, it is my favorite of all my cards. What's not to love? The NO annual fee, the cash back, free [ access to ] FICO® Scores. I believe I scored big signing up with this card! Thanks Discover!

Discover it ® Secured Cardmember Since 2016, Illinois

From the day I got the card I was amazed at the customer service I received. Looking forward to building my credit with Discover!

Discover it® Secured Cardmember Since 2016, Minnesota

The customer service is by far the BEST! This cash back option on a secure card is awesome. Best decision I have ever made!

Discover it® Secured Cardmember Since 2016, Washington

This is truly the best secured card on the market with superb customer service 24 hrs.

Discover it® Secured Cardmember Since 2016, Florida

I love my Discover It card! I am trying to build my credit and this card is allowing me to do just that! Thanks Discover!!!!

Discover it® Secured Cardmember Since 2016, Ohio

This card is awesome. When you call customer service, you are treated like a valuable customer. Not like other card companies. Plus the rewards, free fico score and other benefits make this a must have card.

Discover it® Secured Cardmember Since 2016, Florida

  • Annual Fee: None. 23.74% 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 August 10, 2017; then the standard purchase APR applies. Cash APR: 25.74% 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 $2.00. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% of the amount of each transfer . Rates as of April 28, 2017. 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.

  1. Builds credit with responsible use: Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your other credit card accounts and loans may impact your ability to build credit.
  2. Minimum Security Deposit: A minimum security deposit of $200 is required to open this account and your security deposit must equal your credit limit. Your maximum credit limit (up to $2500) will be determined by your income and ability to pay.
  3. Transition to a Discover account without a security deposit: We'll automatically review your credit card account monthly, starting at seven months, to see if we can return your security deposit while you continue to enjoy your card benefits. These reviews are based on responsible credit management across all of your credit cards and loans, including Discover and others . Also, if you pay your balance in full and close your credit card account, we'll refund your security deposit, which can take up to two billing cycles plus ten days.
  4. Cashback MatchTM : Only from Discover, as of March 2017. 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.
  5. FICO® Credit Score Terms: Discover cardmembers receive a FICO® Credit Score for free online and on monthly statements. The FICO® Credit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. See Discover.com/FICO about the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICO® Credit Score, 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.
  6. 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, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.
  7. 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.
  8. Accepted nationwide by at least 97% of the merchants that take credit cards: According to the Feb 2017 issue of the Nilson Report.
  9. 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 conditions.
  10. Use Rewards at Amazon.com: 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.
  11. Discover refunds deposits two ways: 1) automatic monthly reviews starting at seven 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' terms for their details.

Cardmember Reviews

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