DISCOVER IT® SECURED CREDIT CARD

See if You're Pre-Approved

With no harm to your credit to check

 

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★★★★★
★★★★★
x Average of x Reviews

How the Discover it® Secured credit card works for you

A secured credit card could help you build or rebuild your credit history to make more things possible tomorrow.

You get a real credit card, with no annual fee

We'll report your credit history to all 3 major credit bureaus, unlike most debit cards or prepaid cards.

You provide a refundable security deposit when you apply

Your credit line will equal your deposit amount, starting at $200.1

Your secured credit card can help you build credit responsibly

Smart habits like paying all your bills on time and in full each month can help you build credit with responsible use.2

You can get your deposit back

After 8 months, we begin automatic monthly account reviews to see if you qualify to convert to a standard, 'unsecured' card and get your deposit back.3

A secured credit card with real rewards

2%

Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.††

1%

Earn unlimited 1% cash back on all your other purchases automatically.

2x

with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.4

Apply Now

Questions about secured credit cards

This card is for people new to credit as well as people looking to rebuild their credit. To determine if you qualify for an account, we review the information that you provide on the application, information in your credit report, as well as other information we may have about your creditworthiness. If you are not approved, we will provide you with the score we obtained, which credit reporting agency it was obtained from, and the reasons we could not approve your application.

You will need to be at least 18 years of age, have a Social security number, U.S. address and U.S. bank account, and provide all the required information in the online application. Be sure to have your bank routing number and account number handy when you apply. Applications are taken 24X7 on Discover.com. Apply Now

A secured credit card is designed for people who are looking to build or rebuild their credit. It looks and acts like a traditional credit card except that you provide a security deposit as collateral for your credit card account. Your credit line will equal the amount of this security deposit. And like a traditional credit card, as you use your credit card, you will need to make payments each month and your credit card account use is reported to the three major credit bureaus. So your on-time payments and responsible use can help build your credit. Starting eight months after you've been a secured credit card member, we'll review your account monthly to see if we can return your security deposit while you continue to enjoy your card benefits. These reviews will look for your responsible credit use across all your cards and loans, not just with Discover.

Your APR—or annual percentage rate—is a statement of the interest rate as a yearly rate. Let's say you started a new term and charged $500 for books, with an 18% APR. If you never made any payments over the 12 months, you would owe an extra $90 annually.

1. 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.

2. We'll also automatically review your credit card account monthly, starting at eight 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.

If you are building a credit history, or looking to rebuild with credit responsible use , the Discover it® Secured Credit Card may be right for you.2 To see if you qualify for a secured credit card, Discover reviews your application, credit report and other information.

A secured credit card reports your credit history to the major credit bureaus like other credit cards. So your continued responsible credit use can help you build a more appealing credit history over time.2 How long it takes to get the credit score you want depends on where you're starting and how you use your secured credit card, as well as other credit accounts and loans. Discover will start automatic reviews of your account after eight months to see if your credit history qualifies to get your deposit back while you continue to enjoy your card.3

No annual fee

22.99% Standard Variable Purchase APR† applies.

†See rates, rewards and other info > , Opens new window
Apply Now

Compare our secured credit card

Make the right call to build your credit history

Compare Discover It® Secured credit card with competitors 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 3

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 3.

 

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, automatically4

 

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.9

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 expires9

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 10

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 PayPal11

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. 5

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 5 +

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 5 +

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 6

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 card13

$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 12

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 † 7

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 August 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 service and security features

Activate free Social Security number alerts

Activate and we’ll send you an alert if your Social Security number is found on any of thousands of Dark Web sites.5

Turn your account on/off with Freeze it®

If you misplace your card, freeze your account on our mobile app or website to prevent new purchases, cash advances and balance transfers.6

$0 Fraud Liability Guarantee

You're never responsible for unauthorized purchases on your Discover Card.13

100% U.S.-based customer service

You can talk to a real person from our customer service any time. Plus get powerful, fast mobile and online service.

View your FICO® Credit Score for free

See your FICO® Score on the Discover mobile app, online and statements. It wont hurt your credit. 7

99% nationwide acceptance

Discover is accepted by 99% of the places across the country that take credit cards.8

Discover Cards with no deposit required

Before you apply, you can see if you're pre approved for Discover card with no deposit or for a secured credit card that requires deposit. There's no harm to your credit to check.

Find Out if I'm Pre-Approved

Learn more about secured credit cards and how to build credit

What is a Secured Credit Card? >

How Do Secured Credit Cards Work? >
How Can You Use a Secured Credit Card to Build Credit? >

Visit the Discover Credit Resource Center for more >

People love Discover

★★★★★
★★★★★
x Average of x Reviews
Read All Reviews
Beamer, FL
Information Bubble

I was interested in getting a card to help establish credit. Well, this is the one that stood out. The application process was a breeze, my card arrived swiftly and the website is intuitive. Looking forward to continuing as a customer with Discover.

Cemitchell, MI
Information Bubble

I have a secured card and I think it is the best decision I have made to start my credit history in this country.

Ryangirl, WA
Information Bubble

I really love this card.  I am building my credit and at the same time, I can use it for any purchases.  I am so glad I chose this card.  My parents had one while I was growing up and they always told us that the most important credit card was one you could trust!  And this is so much of that and more.  I look forward to using mine for many years to come.

Read All Reviews
dcsc-6.

  1. 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.

  2. 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.

  3. 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.

  4. Cashback Match: Only from Discover, as of August 2021. 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.

  5. 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.

  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, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

  7. 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.

  8. Acceptance: According to the Feb 2021 issue of the Nilson Report.

  9. Rewards Redemption: Your rewards never expire. We will credit your account or send you a check with your rewards balance if your account is closed or if it has not been used within 18 months.

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

  11. Use Rewards with PayPal: For complete details on how to Pay with Cashback Bonus with PayPal see PayPal.com/Discover. Pay with Rewards will be available for eligible credit cards on eligible purchases. All reward redemptions are subject to Discover's reward program terms.

  12. Free Overnight Card Replacement: Free 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.

  13. $0 Fraud Liability: An “unauthorized purchase” is a purchase where you have not given access to your card information to another person or a merchant for one-time or repeated charges. Please use reasonable care to protect your card and do not share it with employees, relatives, or friends. Learn more at Discover.com/fraudFAQ.