Discover It® Secured credit cards to build your credit history

DISCOVER IT® SECURED CREDIT CARD

Build your credit history

No annual fee


★★★★★
★★★★★
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.

A secured credit card with real rewards

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 buiding 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.* 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.**

No annual fee

22.99% Standard Variable Purchase APR applies.

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
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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
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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

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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.

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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.

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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

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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.

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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.

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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

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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

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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

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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. 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.

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yes
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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}

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yes
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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}
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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

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yes

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

$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

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yes
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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

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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.

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yes
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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.
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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

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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.
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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}

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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.

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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

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‡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 May 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

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.

People love Discover

★★★★★
★★★★★
x Average of x Reviews
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